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Banco Bilbao Vizcaya Argentaria, S.A. – ‘20-F’ for 12/31/23 – ‘EX-101.SCH’

On:  Friday, 3/1/24, at 2:02pm ET   ·   For:  12/31/23   ·   Accession #:  842180-24-7   ·   File #:  1-10110

Previous ‘20-F’:  ‘20-F’ on 3/6/23 for 12/31/22   ·   Latest ‘20-F’:  This Filing   ·   3 References:   

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  As Of               Filer                 Filing    For·On·As Docs:Size

 3/01/24  Banco Bilbao Vizcaya Argentar… SA 20-F       12/31/23  295:61M

Annual or Annual-Transition Report by a Foreign Non-Canadian Issuer   —   Form 20-F   —   SEA’34

Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 20-F        Annual or Annual-Transition Report by a Foreign     HTML  15.47M 
                Non-Canadian Issuer                                              
 2: EX-1.1      Underwriting Agreement or Conflict Minerals Report  HTML    154K 
 3: EX-2.1      Plan of Acquisition, Reorganization, Arrangement,   HTML    701K 
                Liquidation or Succession                                        
 7: EX-13.1     Annual or Quarterly Report to Security Holders      HTML     74K 
10: EX-97       Clawback Policy re: Recovery of Erroneously         HTML     81K 
                Awarded Compensation                                             
 4: EX-12.1     Statement re: the Computation of Ratios             HTML     75K 
 5: EX-12.2     Statement re: the Computation of Ratios             HTML     75K 
 6: EX-12.3     Statement re: the Computation of Ratios             HTML     75K 
 8: EX-15.1     Letter re: Unaudited Interim Financial Info         HTML     71K 
 9: EX-15.2     Letter re: Unaudited Interim Financial Info         HTML     71K 
16: R1          Cover                                               HTML    158K 
17: R2          Audit Information                                   HTML     76K 
18: R3          Statement of financial position, order of           HTML    352K 
                liquidity (Statement)                                            
19: R4          Statement of comprehensive income, profit or loss,  HTML    223K 
                by function of expense (Statement)                               
20: R5          Statement of comprehensive income, OCI components   HTML    169K 
                presented before tax (Statement)                                 
21: R6          Statement of changes in equity (Statement)          HTML    168K 
22: R7          Statement of cash flows, indirect method            HTML    200K 
                (Statement)                                                      
23: R8          Statement of financial position, order of           HTML     80K 
                liquidity (Parentheticals)                                       
24: R9          Statement of cash flows, indirect method            HTML     77K 
                (Parentheticals)                                                 
25: R10         Note 1                                              HTML     97K 
26: R11         Note 2                                              HTML    330K 
27: R12         Note 3                                              HTML     97K 
28: R13         Note 4                                              HTML    104K 
29: R14         Note 5                                              HTML     94K 
30: R15         Note 6                                              HTML    118K 
31: R16         Note 7                                              HTML   1.43M 
32: R17         Note 8                                              HTML    546K 
33: R18         Note 9                                              HTML     80K 
34: R19         Note 10                                             HTML    152K 
35: R20         Note 11                                             HTML     81K 
36: R21         Note 12                                             HTML     83K 
37: R22         Note 13                                             HTML    197K 
38: R23         Note 14                                             HTML    194K 
39: R24         Note 15                                             HTML    218K 
40: R25         Note 16                                             HTML    107K 
41: R26         Note 17                                             HTML    301K 
42: R27         Note 18                                             HTML    155K 
43: R28         Note 19                                             HTML    180K 
44: R29         Note 20                                             HTML     85K 
45: R30         Note 21                                             HTML    150K 
46: R31         Note 22                                             HTML    207K 
47: R32         Note 23                                             HTML    211K 
48: R33         Note 24                                             HTML    110K 
49: R34         Note 25                                             HTML    429K 
50: R35         Note 26                                             HTML     89K 
51: R36         Note 27                                             HTML     73K 
52: R37         Note 28                                             HTML    119K 
53: R38         Note 29                                             HTML    115K 
54: R39         Note 30                                             HTML     98K 
55: R40         Note 31                                             HTML     90K 
56: R41         Note 32                                             HTML    160K 
57: R42         Note 33                                             HTML    105K 
58: R43         Note 34                                             HTML     73K 
59: R44         Note 35                                             HTML     74K 
60: R45         Note 36                                             HTML     78K 
61: R46         Note 37                                             HTML     93K 
62: R47         Note 38                                             HTML     78K 
63: R48         Note 39                                             HTML     74K 
64: R49         Note 40                                             HTML     95K 
65: R50         Note 41                                             HTML    116K 
66: R51         Note 42                                             HTML     86K 
67: R52         Note 43                                             HTML     89K 
68: R53         Note 44                                             HTML    113K 
69: R54         Note 45                                             HTML     82K 
70: R55         Note 46                                             HTML     81K 
71: R56         Note 47                                             HTML     81K 
72: R57         Note 48                                             HTML     74K 
73: R58         Note 49                                             HTML     80K 
74: R59         Note 50                                             HTML     83K 
75: R60         Note 51                                             HTML     91K 
76: R61         Note 52                                             HTML     86K 
77: R62         Note 53                                             HTML    109K 
78: R63         Note 54                                             HTML    263K 
79: R64         Note 55                                             HTML     74K 
80: R65         Note 56                                             HTML     76K 
81: R66         List of accounting policies (Policies)              HTML    376K 
82: R67         Note 2 (Tables)                                     HTML     78K 
83: R68         Note 3 (Tables)                                     HTML     79K 
84: R69         Note 4 (Tables)                                     HTML     82K 
85: R70         Note 5 (Tables)                                     HTML     92K 
86: R71         Note 6 (Tables)                                     HTML    114K 
87: R72         Note 7 (Tables)                                     HTML   1.23M 
88: R73         Note 8 (Tables)                                     HTML    519K 
89: R74         Note 9 (Tables)                                     HTML     80K 
90: R75         Note 10 (Tables)                                    HTML    153K 
91: R76         Note 11 (Tables)                                    HTML     81K 
92: R77         Note 12 (Tables)                                    HTML     82K 
93: R78         Note 13 (Tables)                                    HTML    204K 
94: R79         Note 14 (Tables)                                    HTML    201K 
95: R80         Note 15 (Tables)                                    HTML    218K 
96: R81         Note 16 (Tables)                                    HTML    105K 
97: R82         Note 17 (Tables)                                    HTML    298K 
98: R83         Note 18 (Tables)                                    HTML    155K 
99: R84         Note 19 (Tables)                                    HTML    172K 
100: R85         Note 20 (Tables)                                    HTML     84K  
101: R86         Note 21 (Tables)                                    HTML    149K  
102: R87         Note 22 (Tables)                                    HTML    207K  
103: R88         Note 23 (Tables)                                    HTML    216K  
104: R89         Note 24 (Tables)                                    HTML    110K  
105: R90         Note 25 (Tables)                                    HTML    426K  
106: R91         Note 28 (Tables)                                    HTML    120K  
107: R92         Note 29 (Tables)                                    HTML    119K  
108: R93         Note 30 (Tables)                                    HTML     97K  
109: R94         Note 31 (Tables)                                    HTML     91K  
110: R95         Note 32 (Tables)                                    HTML    142K  
111: R96         Note 33 (Tables)                                    HTML    103K  
112: R97         Note 36 (Tables)                                    HTML     78K  
113: R98         Note 37 (Tables)                                    HTML     94K  
114: R99         Note 38 (Tables)                                    HTML     78K  
115: R100        Note 40 (Tables)                                    HTML     96K  
116: R101        Note 41 (Tables)                                    HTML    120K  
117: R102        Note 42 (Tables)                                    HTML     87K  
118: R103        Note 43 (Tables)                                    HTML     91K  
119: R104        Note 44 (Tables)                                    HTML     94K  
120: R105        Note 45 (Tables)                                    HTML     82K  
121: R106        Note 46 (Tables)                                    HTML     80K  
122: R107        Note 47 (Tables)                                    HTML     80K  
123: R108        Note 49 (Tables)                                    HTML     79K  
124: R109        Note 50 (Tables)                                    HTML     82K  
125: R110        Note 51 (Tables)                                    HTML     91K  
126: R111        Note 52 (Tables)                                    HTML     89K  
127: R112        Note 53 (Tables)                                    HTML    110K  
128: R113        Note 54 (Tables)                                    HTML    249K  
129: R114        Note 2 Depreciation rates for tangible assets       HTML     83K  
                (Details)                                                        
130: R115        Note 3 Contribution to consolidated group total     HTML     83K  
                assets entities by main activities (Details)                     
131: R116        Note 4 Available amount for interim dividend        HTML     78K  
                payments (Details)                                               
132: R117        Note 4 Allocation of earnings (Details)             HTML     78K  
133: R118        Note 5 Basic and diluted earnings per share         HTML    106K  
                (Details)                                                        
134: R119        Note 6 Total Group assets by operating segments     HTML     92K  
                (Details)                                                        
135: R120        Note 6 Main margins and profit by operating         HTML    113K  
                segments (Details)                                               
136: R121        Note 7 Positive scenario of GDP, unemployment rate  HTML    145K  
                and HPI for the main geographies (Details)                       
137: R122        Note 7 Base scenario of GDP, unemployment rate and  HTML    145K  
                HPI for the main geographies (Details)                           
138: R123        Note 7 Negative scenario of GDP, unemployment rate  HTML    145K  
                and HPI for the main geographies (Details)                       
139: R124        Note 7 Expected loss variation as of december       HTML    102K  
                (Details)                                                        
140: R125        Note 7 Maximum credit risk exposure (Details)       HTML    176K  
141: R126        Note 7 Maximum Credit Risk Exposure, accumulated    HTML    173K  
                allowances and carrying amount by geographical                   
                location (Details)                                               
142: R127        Note 7 Maximum credit risk exposure, accumulated    HTML    131K  
                allowances and carrying amount by counterparty                   
                (Details)                                                        
143: R128        Note 7 Loans and advances breakdown by              HTML    204K  
                counterparty and product (Details)                               
144: R129        Note 7 Impaired loans and advances at amortized     HTML     88K  
                cost covered by collateral (Details)                             
145: R130        Note 7 Guarantees Received (Details)                HTML     84K  
146: R131        Note 7 Probability of default of loans and          HTML    106K  
                advances to customers (Details)                                  
147: R132        Note 7 Impaired secured loans risks (Details)       HTML    170K  
148: R133        Note 7 Changes in impaired financial assets and     HTML     86K  
                guarantees given (Details)                                       
149: R134        Note 7 Changes in impaired financial assets         HTML     94K  
                written off from the balance sheet (Details)                     
150: R135        Note 7 Changes in gross accounting balances of      HTML    128K  
                loans and advances at amortized cost (Details)                   
151: R136        Note 7 Changes in allowances of loans and advances  HTML    120K  
                at amortized cost (Details)                                      
152: R137        Note 7 Sensitivity to interest rate and credit      HTML    110K  
                spread analysis (Details)                                        
153: R138        Note 7 Sensitivity to one percent of the average    HTML     85K  
                rate in the main currencies (Details)                            
154: R139        Note 7 VaR by Risk factor (Details)                 HTML    113K  
155: R140        Note 7 Impact of the stress test (Details)          HTML     85K  
156: R141        Note 7 Effect offsetting for derivatives and        HTML    117K  
                securities operation (Details)                                   
157: R142        Note 7 LtSCD by LMU (Details)                       HTML     81K  
158: R143        Note 7 LCR main LMU (Details)                       HTML     79K  
159: R144        Note 7 Liquidity available by instrument (Details)  HTML    122K  
160: R145        Note 7 NSFR main LMU (Details)                      HTML     79K  
161: R146        Note 7 Residual maturities by contractual periods   HTML    276K  
                (Details)                                                        
162: R147        Wholesale financing transactions carried out by     HTML    138K  
                group operations (Details)                                       
163: R148        Note 7 Encumbered and unencumbered asstes           HTML     89K  
                (Details)                                                        
164: R149        Note 7 Collateral pledges received (Details)        HTML     92K  
165: R150        Note 7 Sources of encumbrance (Details)             HTML     88K  
166: R151        Note 8 Fair value of financial instruments by       HTML    198K  
                levels (Details)                                                 
167: R152        Note 8 Fair value of financial assets by levels,    HTML    122K  
                valuation techniques and inputs (Details)                        
168: R153        Note 8 Fair value of financial liabilities by       HTML    108K  
                levels, valuation techniques and inputs (Details)                
169: R154        Note 8 Unobservable inputs (Details)                HTML    136K  
170: R155        Note 8 Financial instruments level 3 Changes in     HTML     95K  
                the year (Details)                                               
171: R156        Note 8 Transfer between levels (Details)            HTML    156K  
172: R157        Note 8 Financial instruments level 3 sensitivity    HTML    138K  
                analysis (Details)                                               
173: R158        Note 8 Fair value of financial instruments at       HTML    131K  
                amortized cost by levels (Details)                               
174: R159        Note 9 Cash Cash Balances At Central Banks And      HTML     82K  
                Other Demand Deposits (Details)                                  
175: R160        Note 10 Financial assets and liabilities held for   HTML    128K  
                trading (Details)                                                
176: R161        Note 10 Derivatives by type of risk and by product  HTML    136K  
                or by type of market (Details)                                   
177: R162        Note 11 Non trading financial assets at fair value  HTML     81K  
                through profit or loss mandatorily measured at                   
                fair value (Details)                                             
178: R163        Note 12 Financial Instruments Designated At Fair    HTML     83K  
                Value Through Profit Or Loss (Details)                           
179: R164        Note 13 Financial assets at fair value through      HTML     85K  
                other comprehensive income (Details)                             
180: R165        Note 13 Financial assets at fair value through      HTML     99K  
                other comprehensive income equity instruments                    
                (Details)                                                        
181: R166        Note 13 Financial assets at fair value through      HTML    129K  
                other comprehensive income debt securities                       
                (Details)                                                        
182: R167        Note 13 Financial assets at fair value through      HTML    114K  
                other comprehensive income debt securities by                    
                rating (Details)                                                 
183: R168        Note 13 Other comprehensive income Changes in       HTML     91K  
                gains or losses (Details)                                        
184: R169        Note 14 Financial assets at amortised cost          HTML    114K  
                (Details)                                                        
185: R170        Note 14 Debt securities at amortized cost           HTML    117K  
                (Details)                                                        
186: R171        Note 14 Debt securities by rating (Details)         HTML    114K  
187: R172        Note 14 Loans and advances to customers (Details)   HTML     91K  
188: R173        Note 14 Loans and advances maturing in more than    HTML     83K  
                one year by fixed interest rate and floating                     
                (Details)                                                        
189: R174        Note 14 Securitized loans (Details)                 HTML     76K  
190: R175        Note 15 Derivatives Hedge accounting and fair       HTML     81K  
                value changes of the hedged items in portfolio                   
                hedge of interest rate risk (Details)                            
191: R176        Note 15 Derivatives Hedge accounting breakdown by   HTML    158K  
                type of risk and type of hedge (Details)                         
192: R177        Note 15 Hedged items in fair value hedges           HTML    149K  
                (Details)                                                        
193: R178        Note 15 Calendar of the notional maturities of the  HTML    128K  
                hedging instruments (Details)                                    
194: R179        Note 16 Investments In Subsidiaries Joint Ventures  HTML    108K  
                And Associates (Details)                                         
195: R180        Note 16 Joint ventures and associates changes in    HTML     87K  
                the year (Details)                                               
196: R181        Note 17 Tangible Assets Breakdown By Type Of Asset  HTML    285K  
                (Details)                                                        
197: R182        Note 17 Tangible assets by Spanish and foreign      HTML     79K  
                subsidiaries net assets values (Details)                         
198: R183        Note 18 Reconciliation Of Changes In Goodwill       HTML    113K  
                (Details)                                                        
199: R184        Note 18 Impairment test assumptions CGU goodwill    HTML     78K  
                in Mexico (Details)                                              
200: R185        Note 18 Sensitivity analysis for main assumptions   HTML     83K  
                Mexico (Details)                                                 
201: R186        Note 18 Other Intangible Assets (Details)           HTML     80K  
202: R187        Note 18 Changes in other intangible assets          HTML     97K  
                (Details)                                                        
203: R188        Note 19 Reconciliation of taxation at the Spanish   HTML    132K  
                corporation tax rate to the tax expense recorded                 
                for the year (Details)                                           
204: R189        Note 19 Effective tax rate (Details)                HTML     88K  
205: R190        Note 19 Tax recognized in total equity (Details)    HTML     78K  
206: R191        Note 19 Tax assets and liabilities (Details)        HTML    104K  
207: R192        Note 19 Deferred tax assets and liabilities annual  HTML     97K  
                variations (Details)                                             
208: R193        Note 19 Secured tax assets (Details)                HTML     76K  
209: R194        Note 20 Other assets and liabilities (Details)      HTML     91K  
210: R195        Note 21 Non Current Assets And Disposal Groups      HTML     92K  
                Classified As Held For Sale Breakdown By Items                   
                (Details)                                                        
211: R196        Note 21 Non current assets and disposal groups      HTML    130K  
                classified as held for sale changes in the year                  
                (Details)                                                        
212: R197        Note 22 Financial liabilities at amortised cost     HTML     98K  
                (Details)                                                        
213: R198        Note 22 Deposits from banks (Details)               HTML    123K  
214: R199        Note 22 Customer Deposits (Details)                 HTML    121K  
215: R200        Note 22 Deposits from debt certificates (Details)   HTML    117K  
216: R201        Note 22 Memorandum item subordinated liabilities    HTML     81K  
                at amortized cost (Details)                                      
217: R202        Note 22 Other Financial Liabilities (Details)       HTML     86K  
218: R203        Note 22 Maturity of future payment obligations      HTML     81K  
                (Details)                                                        
219: R204        Note 23 Liabilities Under Insurance Contracts And   HTML    101K  
                Reinsurance Contracts Issued (Details)                           
220: R205        Note 23 Liabilities under insurance and             HTML     92K  
                reinsurance contracts by type of product (Details)               
221: R206        Note 23 Variation in liabilities under Insurance    HTML    163K  
                and Reinsurance Contracts analyzed by liabilities                
                for the remaining coverage and liabilities for                   
                incurred claims (Details)                                        
222: R207        Note 23 Variation in liabilities under Insurance    HTML    175K  
                and Reinsurance contracts by valuation components                
                (Details)                                                        
223: R208        Note 23 Maturity of liabilities under insurance     HTML     85K  
                and reinsurance contracts (Details)                              
224: R209        Note 23 Maturity of liabilities under insurance     HTML     75K  
                and reinsurance contracts under IFRS 4 (Details)                 
225: R210        Note 23 Mathematical reserves (Details)             HTML     84K  
226: R211        Note 24 Provisions Breakdown By Concepts (Details)  HTML     87K  
227: R212        Note 24 Provisions for pensions and similar         HTML     94K  
                obligations changes over the year (Details)                      
228: R213        Note 24 Provisions for taxes, legal contingencies   HTML     83K  
                and other provisions changes over the year                       
                (Details)                                                        
229: R214        Note 25 Net defined benefit liability asset on the  HTML     99K  
                consolidated balance sheet (Details)                             
230: R215        Note 25 Consolidated Income Statement Impact        HTML     95K  
                (Details)                                                        
231: R216        Note 25 Equity impact (Details)                     HTML     77K  
232: R217        Note 25 Defined benefits (Details)                  HTML    167K  
233: R218        Note 25 Actuarial assumptions percentage (Details)  HTML     91K  
234: R219        Note 25 Sensitivity analysis (Details)              HTML     92K  
235: R220        Note 25 Post employment commitments (Details)       HTML    312K  
236: R221        Note 25 Medical benefits commitments (Details)      HTML    164K  
237: R222        Note 25 Estimated benefit payments (Details)        HTML    106K  
238: R223        Note 25 Plan assets breakdown (Details)             HTML     95K  
239: R224        Note 25 Investments in listed markets (Details)     HTML     89K  
240: R225        Note 28 Retained Earnings And Other Reserves        HTML     83K  
                (Details)                                                        
241: R226        Note 28 Restricted reserves breakdown by concepts   HTML     78K  
                (Details)                                                        
242: R227        Note 28 Retained earnings, revaluation reserves     HTML    133K  
                and other reserves breakdown by company or                       
                corporate group (Details)                                        
243: R228        Note 29 Treasury shares (Details)                   HTML    114K  
244: R229        Note 29 Treasury Stock (Details)                    HTML     78K  
245: R230        Note 29 Shares of BBVA accepted in pledge           HTML     77K  
                (Details)                                                        
246: R231        Note 29 Shares of BBVA owned by third parties but   HTML     77K  
                managed by the Group (Details)                                   
247: R232        Note 30 Accumulated Other Comprehensive Income      HTML    112K  
                Classified By Concepts (Details)                                 
248: R233        Note 31 Non Controlling Interest Classified By      HTML     90K  
                Concept (Details)                                                
249: R234        Note 31 Profit Attributable to Non Controlling      HTML     90K  
                Interests (Details)                                              
250: R235        Note 32 Eligible capital resources (Details)        HTML    121K  
251: R236        Note 32 Amount of capital CC1 (Details)             HTML    146K  
252: R237        Note 32 Leverage Ratio (Details)                    HTML     76K  
253: R238        Note 33 Commitments and guarantees given (Details)  HTML    102K  
254: R239        Note 36 Transactions on behalf of third parties     HTML     79K  
                breakdown by concepts (Details)                                  
255: R240        Note 37 Interest income breakdown by origin         HTML     87K  
                (Details)                                                        
256: R241        Note 37 Interest expense breakdown by origin        HTML     89K  
                (Details)                                                        
257: R242        Note 38 Dividend income breakdown by headline       HTML     79K  
                (Details)                                                        
258: R243        Note 40 Fee and commission income (Details)         HTML     95K  
259: R244        Note 40 Fees and commission expense (Details)       HTML     84K  
260: R245        Note 41 Gains Or Losses On Financial Assets And     HTML    107K  
                Liabilities And Exchange Differences Breakdown By                
                Heading On the Balance Sheet (Details)                           
261: R246        Note 41 Gains Or Losses On Financial Assets And     HTML     89K  
                Liabilities And Exchange Differences Breakdown By                
                Nature Of The Financial Instrument (Details)                     
262: R247        Note 41 Derivatives hedge accounting (Details)      HTML     99K  
263: R248        Note 42 Other operating income (Details)            HTML     77K  
264: R249        Note 42 Other operating expense (Details)           HTML     82K  
265: R250        Note 43 Insurance And Reinsurance Contracts In      HTML     79K  
                Income And Expense (Details)                                     
266: R251        Note 43 Income by type of insurance product         HTML     87K  
                (Details)                                                        
267: R252        Note 44 Personnel Expenses Breakdown (Details)      HTML     86K  
268: R253        Note 44 Administrative expenses (Details)           HTML     88K  
269: R254        Note 45 Depreciation And Amortisation Expense       HTML     86K  
                (Details)                                                        
270: R255        Note 46 Provisions or reversal of provisions        HTML     81K  
                (Details)                                                        
271: R256        Note 47 Impairment Or Reversal Of Impairment On     HTML     80K  
                Financial Assets Not Measured At Fair Value                      
                Through Profit Or Loss (Details)                                 
272: R257        Note 49 Impairment Or Reversal Of Impairment On     HTML     80K  
                Non Financial Assets (Details)                                   
273: R258        Note 50 Profit Or Loss From Non Current Assets And  HTML     83K  
                Disposal Groups Classified As Held For Sale Not                  
                Qualifying As Discontinued Operations (Details)                  
274: R259        Note 51 Liabilities from financing activities       HTML    110K  
                (Details)                                                        
275: R260        Note 52 Fees for audits conducted and other         HTML     79K  
                related services (Details)                                       
276: R261        Note 52 Other services rendered (Details)           HTML     73K  
277: R262        Note 52 Fees for audits conducted (Details)         HTML     81K  
278: R263        Note 53 Balances Arising From Transactions With     HTML     92K  
                Entities Of The Group Explanatory (Details)                      
279: R264        Note 53 Balance of income statement arising from    HTML     79K  
                transactions with entities of the group (Details)                
280: R265        Note 53 Transactions with members of the board of   HTML     88K  
                directors and senior management balance at 31st                  
                december (Details)                                               
281: R266        Note 54 Remuneration For Non Executive Directors    HTML    270K  
                Explanatory (Details)                                            
282: R267        Note 54 Theoretical shares (Details)                HTML    115K  
283: R268        Note 54 Annual fixed remuneration (Details)         HTML     77K  
284: R269        Note 54 Annual variable remuneration (Avr)          HTML     83K  
                (Details)                                                        
285: R270        Nota 54 Deferred annual variable remuneration from  HTML    113K  
                previous financial years (Details)                               
286: R271        Note 54 Executive directors (Details)               HTML     84K  
287: R272        Note 54 Annual fixed remuneration Senior            HTML     73K  
                management (Details)                                             
288: R273        Note 54 Annual variable remuneration (AVR) Senior   HTML     82K  
                management (Details)                                             
289: R274        Note 54 Deferred annual variable remuneration from  HTML    100K  
                previous years senior management (Details)                       
290: R275        Note 54 Pension commitments with members of Senior  HTML     79K  
                Management (Details)                                             
292: XML         IDEA XML File -- Filing Summary                      XML    561K  
295: XML         XBRL Instance -- bbva-20231231_htm                   XML  25.40M  
291: EXCEL       IDEA Workbook of Financial Report Info              XLSX    886K  
12: EX-101.CAL  XBRL Calculations -- bbva-20231231_cal               XML    427K 
13: EX-101.DEF  XBRL Definitions -- bbva-20231231_def                XML   2.73M 
14: EX-101.LAB  XBRL Labels -- bbva-20231231_lab                     XML   8.23M 
15: EX-101.PRE  XBRL Presentations -- bbva-20231231_pre              XML   4.19M 
11: EX-101.SCH  XBRL Schema -- bbva-20231231                         XSD   1.67M 
293: JSON        XBRL Instance as JSON Data -- MetaLinks            1,223±  1.86M  
294: ZIP         XBRL Zipped Folder -- 0000842180-24-000007-xbrl      Zip   2.86M  


‘EX-101.SCH’   —   XBRL Schema — bbva-20231231


This Exhibit is an XBRL File.


                                                                                                                                                                                
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<xs:appinfo>
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<link:definition> 0000001 - Document - Cover </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="AuditInformation" roleURI="http://www.bbva.es/role/AuditInformation">
<link:definition> 0000002 - Document - Audit Information </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="StatementoffinancialpositionorderofliquidityStatement" roleURI="http://www.bbva.es/role/StatementoffinancialpositionorderofliquidityStatement">
<link:definition> 0000003 - Statement - Statement of financial position, order of liquidity (Statement) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="StatementofcomprehensiveincomeprofitorlossbyfunctionofexpenseStatement" roleURI="http://www.bbva.es/role/StatementofcomprehensiveincomeprofitorlossbyfunctionofexpenseStatement">
<link:definition> 0000004 - Statement - Statement of comprehensive income, profit or loss, by function of expense (Statement) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="StatementofcomprehensiveincomeOCIcomponentspresentedbeforetaxStatement" roleURI="http://www.bbva.es/role/StatementofcomprehensiveincomeOCIcomponentspresentedbeforetaxStatement">
<link:definition> 0000005 - Statement - Statement of comprehensive income, OCI components presented before tax (Statement) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="StatementofcomprehensiveincomeOCIcomponentspresentedbeforetaxStatement_1" roleURI="http://www.bbva.es/role/StatementofcomprehensiveincomeOCIcomponentspresentedbeforetaxStatement_1">
<link:definition> 0000005 - Statement - Statement of comprehensive income, OCI components presented before tax (Statement) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="StatementofchangesinequityStatement" roleURI="http://www.bbva.es/role/StatementofchangesinequityStatement">
<link:definition> 0000006 - Statement - Statement of changes in equity (Statement) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="StatementofcashflowsindirectmethodStatement" roleURI="http://www.bbva.es/role/StatementofcashflowsindirectmethodStatement">
<link:definition> 0000007 - Statement - Statement of cash flows, indirect method (Statement) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="StatementoffinancialpositionorderofliquidityParentheticals" roleURI="http://www.bbva.es/role/StatementoffinancialpositionorderofliquidityParentheticals">
<link:definition> 0000008 - Statement - Statement of financial position, order of liquidity (Parentheticals) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="StatementofcashflowsindirectmethodParentheticals" roleURI="http://www.bbva.es/role/StatementofcashflowsindirectmethodParentheticals">
<link:definition> 0000009 - Statement - Statement of cash flows, indirect method (Parentheticals) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note1" roleURI="http://www.bbva.es/role/Note1">
<link:definition> 0000010 - Disclosure - Note 1 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note2" roleURI="http://www.bbva.es/role/Note2">
<link:definition> 0000011 - Disclosure - Note 2 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note3" roleURI="http://www.bbva.es/role/Note3">
<link:definition> 0000012 - Disclosure - Note 3 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note4" roleURI="http://www.bbva.es/role/Note4">
<link:definition> 0000013 - Disclosure - Note 4 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note5" roleURI="http://www.bbva.es/role/Note5">
<link:definition> 0000014 - Disclosure - Note 5 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note6" roleURI="http://www.bbva.es/role/Note6">
<link:definition> 0000015 - Disclosure - Note 6 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note7" roleURI="http://www.bbva.es/role/Note7">
<link:definition> 0000016 - Disclosure - Note 7 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note8" roleURI="http://www.bbva.es/role/Note8">
<link:definition> 0000017 - Disclosure - Note 8 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note9" roleURI="http://www.bbva.es/role/Note9">
<link:definition> 0000018 - Disclosure - Note 9 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note10" roleURI="http://www.bbva.es/role/Note10">
<link:definition> 0000019 - Disclosure - Note 10 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note11" roleURI="http://www.bbva.es/role/Note11">
<link:definition> 0000020 - Disclosure - Note 11 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note12" roleURI="http://www.bbva.es/role/Note12">
<link:definition> 0000021 - Disclosure - Note 12 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note13" roleURI="http://www.bbva.es/role/Note13">
<link:definition> 0000022 - Disclosure - Note 13 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note14" roleURI="http://www.bbva.es/role/Note14">
<link:definition> 0000023 - Disclosure - Note 14 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note15" roleURI="http://www.bbva.es/role/Note15">
<link:definition> 0000024 - Disclosure - Note 15 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note16" roleURI="http://www.bbva.es/role/Note16">
<link:definition> 0000025 - Disclosure - Note 16 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note17" roleURI="http://www.bbva.es/role/Note17">
<link:definition> 0000026 - Disclosure - Note 17 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note18" roleURI="http://www.bbva.es/role/Note18">
<link:definition> 0000027 - Disclosure - Note 18 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note19" roleURI="http://www.bbva.es/role/Note19">
<link:definition> 0000028 - Disclosure - Note 19 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note20" roleURI="http://www.bbva.es/role/Note20">
<link:definition> 0000029 - Disclosure - Note 20 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note21" roleURI="http://www.bbva.es/role/Note21">
<link:definition> 0000030 - Disclosure - Note 21 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note22" roleURI="http://www.bbva.es/role/Note22">
<link:definition> 0000031 - Disclosure - Note 22 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note23" roleURI="http://www.bbva.es/role/Note23">
<link:definition> 0000032 - Disclosure - Note 23 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note24" roleURI="http://www.bbva.es/role/Note24">
<link:definition> 0000033 - Disclosure - Note 24 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note25" roleURI="http://www.bbva.es/role/Note25">
<link:definition> 0000034 - Disclosure - Note 25 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note26" roleURI="http://www.bbva.es/role/Note26">
<link:definition> 0000035 - Disclosure - Note 26 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note27" roleURI="http://www.bbva.es/role/Note27">
<link:definition> 0000036 - Disclosure - Note 27 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note28" roleURI="http://www.bbva.es/role/Note28">
<link:definition> 0000037 - Disclosure - Note 28 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note29" roleURI="http://www.bbva.es/role/Note29">
<link:definition> 0000038 - Disclosure - Note 29 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note30" roleURI="http://www.bbva.es/role/Note30">
<link:definition> 0000039 - Disclosure - Note 30 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note31" roleURI="http://www.bbva.es/role/Note31">
<link:definition> 0000040 - Disclosure - Note 31 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note32" roleURI="http://www.bbva.es/role/Note32">
<link:definition> 0000041 - Disclosure - Note 32 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note33" roleURI="http://www.bbva.es/role/Note33">
<link:definition> 0000042 - Disclosure - Note 33 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note34" roleURI="http://www.bbva.es/role/Note34">
<link:definition> 0000043 - Disclosure - Note 34 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note35" roleURI="http://www.bbva.es/role/Note35">
<link:definition> 0000044 - Disclosure - Note 35 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note36" roleURI="http://www.bbva.es/role/Note36">
<link:definition> 0000045 - Disclosure - Note 36 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note37" roleURI="http://www.bbva.es/role/Note37">
<link:definition> 0000046 - Disclosure - Note 37 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note38" roleURI="http://www.bbva.es/role/Note38">
<link:definition> 0000047 - Disclosure - Note 38 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note39" roleURI="http://www.bbva.es/role/Note39">
<link:definition> 0000048 - Disclosure - Note 39 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note40" roleURI="http://www.bbva.es/role/Note40">
<link:definition> 0000049 - Disclosure - Note 40 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note41" roleURI="http://www.bbva.es/role/Note41">
<link:definition> 0000050 - Disclosure - Note 41 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note42" roleURI="http://www.bbva.es/role/Note42">
<link:definition> 0000051 - Disclosure - Note 42 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note43" roleURI="http://www.bbva.es/role/Note43">
<link:definition> 0000052 - Disclosure - Note 43 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note44" roleURI="http://www.bbva.es/role/Note44">
<link:definition> 0000053 - Disclosure - Note 44 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note45" roleURI="http://www.bbva.es/role/Note45">
<link:definition> 0000054 - Disclosure - Note 45 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note46" roleURI="http://www.bbva.es/role/Note46">
<link:definition> 0000055 - Disclosure - Note 46 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note47" roleURI="http://www.bbva.es/role/Note47">
<link:definition> 0000056 - Disclosure - Note 47 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note48" roleURI="http://www.bbva.es/role/Note48">
<link:definition> 0000057 - Disclosure - Note 48 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note49" roleURI="http://www.bbva.es/role/Note49">
<link:definition> 0000058 - Disclosure - Note 49 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note50" roleURI="http://www.bbva.es/role/Note50">
<link:definition> 0000059 - Disclosure - Note 50 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note51" roleURI="http://www.bbva.es/role/Note51">
<link:definition> 0000060 - Disclosure - Note 51 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note52" roleURI="http://www.bbva.es/role/Note52">
<link:definition> 0000061 - Disclosure - Note 52 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note53" roleURI="http://www.bbva.es/role/Note53">
<link:definition> 0000062 - Disclosure - Note 53 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note54" roleURI="http://www.bbva.es/role/Note54">
<link:definition> 0000063 - Disclosure - Note 54 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note55" roleURI="http://www.bbva.es/role/Note55">
<link:definition> 0000064 - Disclosure - Note 55 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note56" roleURI="http://www.bbva.es/role/Note56">
<link:definition> 0000065 - Disclosure - Note 56 </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="ListofaccountingpoliciesPolicies" roleURI="http://www.bbva.es/role/ListofaccountingpoliciesPolicies">
<link:definition> 9954471 - 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> 9954472 - 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> 9954473 - 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> 9954474 - 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> 9954475 - 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> 9954476 - 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> 9954477 - 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> 9954478 - 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> 9954479 - 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> 9954480 - 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> 9954481 - 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> 9954482 - 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> 9954483 - 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> 9954484 - 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> 9954485 - 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> 9954486 - 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> 9954487 - 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> 9954488 - 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> 9954489 - 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> 9954490 - 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> 9954491 - 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> 9954492 - 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> 9954493 - 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> 9954494 - 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> 9954495 - 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> 9954496 - 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> 9954497 - 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> 9954498 - 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> 9954499 - 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> 9954500 - 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> 9954501 - 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> 9954502 - 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> 9954503 - 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> 9954504 - 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> 9954505 - 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> 9954506 - 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> 9954507 - 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> 9954508 - 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> 9954509 - 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> 9954510 - 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> 9954511 - 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> 9954512 - 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> 9954513 - 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> 9954514 - 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> 9954515 - 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> 9954516 - 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> 9954517 - 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> 9954518 - 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> 9954519 - 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> 9954520 - 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> 9954521 - 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> 9954522 - 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> 9954523 - 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> 9954524 - 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> 9954525 - 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> 9954526 - 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> 9954527 - 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> 9954528 - 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> 9954529 - 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> 9954530 - 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> 9954531 - 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> 9954532 - 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> 9954533 - 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> 9954534 - 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> 9954535 - 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> 9954536 - 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> 9954537 - 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> 9954538 - 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> 9954539 - 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> 9954540 - 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> 9954541 - 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> 9954542 - 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> 9954543 - 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> 9954544 - 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> 9954545 - 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> 9954546 - 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> 9954547 - 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> 9954548 - 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> 9954549 - 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> 9954550 - 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> 9954551 - 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> 9954552 - 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> 9954553 - 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> 9954554 - 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> 9954555 - 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> 9954556 - 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> 9954557 - 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> 9954558 - 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> 9954559 - 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> 9954560 - 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> 9954561 - 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> 9954562 - 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> 9954563 - 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> 9954564 - 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> 9954565 - 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> 9954566 - 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> 9954567 - 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> 9954568 - 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> 9954569 - 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> 9954570 - 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> 9954571 - 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> 9954572 - 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> 9954573 - 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> 9954574 - 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> 9954575 - 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> 9954576 - 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> 9954577 - 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> 9954578 - 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> 9954579 - 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> 9954580 - 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> 9954581 - 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> 9954582 - 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> 9954583 - 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> 9954584 - 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> 9954585 - 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> 9954586 - 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> 9954587 - 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> 9954588 - 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> 9954589 - 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> 9954590 - 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> 9954591 - 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> 9954592 - 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> 9954593 - 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> 9954594 - 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> 9954595 - 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> 9954596 - 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> 9954597 - 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> 9954598 - 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> 9954599 - 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> 9954600 - 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> 9954601 - 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> 9954602 - 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> 9954603 - 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> 9954604 - Disclosure - Note 19 Effective tax rate (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note19TaxrecognizedintotalequityDetails" roleURI="http://www.bbva.es/role/Note19TaxrecognizedintotalequityDetails">
<link:definition> 9954605 - Disclosure - Note 19 Tax recognized in total equity (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note19TaxassetsandliabilitiesDetails" roleURI="http://www.bbva.es/role/Note19TaxassetsandliabilitiesDetails">
<link:definition> 9954606 - 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> 9954607 - 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> 9954608 - 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> 9954609 - 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> 9954610 - 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> 9954611 - 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> 9954612 - 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> 9954613 - 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> 9954614 - 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> 9954615 - 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> 9954616 - 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> 9954617 - 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> 9954618 - 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> 9954619 - 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> 9954620 - 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> 9954621 - 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> 9954622 - 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> 9954623 - 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="Note23MaturityofliabilitiesunderinsuranceandreinsurancecontractsunderIFRS4Details" roleURI="http://www.bbva.es/role/Note23MaturityofliabilitiesunderinsuranceandreinsurancecontractsunderIFRS4Details">
<link:definition> 9954624 - Disclosure - Note 23 Maturity of liabilities under insurance and reinsurance contracts under IFRS 4 (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note23MathematicalreservesDetails" roleURI="http://www.bbva.es/role/Note23MathematicalreservesDetails">
<link:definition> 9954625 - Disclosure - Note 23 Mathematical reserves (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note24ProvisionsBreakdownByConceptsDetails" roleURI="http://www.bbva.es/role/Note24ProvisionsBreakdownByConceptsDetails">
<link:definition> 9954626 - 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> 9954627 - 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> 9954628 - 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> 9954629 - 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> 9954630 - 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> 9954631 - 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> 9954632 - 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> 9954633 - 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> 9954634 - 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> 9954635 - 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> 9954636 - 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> 9954637 - 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> 9954638 - 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> 9954639 - 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> 9954640 - 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> 9954641 - 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> 9954642 - 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> 9954643 - 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> 9954644 - 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> 9954645 - 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> 9954646 - 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> 9954647 - 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> 9954648 - 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> 9954649 - 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> 9954650 - 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> 9954651 - 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> 9954652 - 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> 9954653 - 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> 9954654 - 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> 9954655 - 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> 9954656 - 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> 9954657 - 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> 9954658 - 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> 9954659 - 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> 9954660 - 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> 9954661 - 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> 9954662 - 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> 9954663 - 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> 9954664 - 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> 9954665 - 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> 9954666 - 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> 9954667 - 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> 9954668 - 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> 9954669 - 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> 9954670 - 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> 9954671 - 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> 9954672 - 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> 9954673 - 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> 9954674 - 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> 9954675 - 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> 9954676 - 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> 9954677 - 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> 9954678 - 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> 9954679 - 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> 9954680 - 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> 9954681 - 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> 9954682 - 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> 9954683 - Disclosure - Note 52 Fees for audits conducted (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note53BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryDetails" roleURI="http://www.bbva.es/role/Note53BalancesArisingFromTransactionsWithEntitiesOfTheGroupExplanatoryDetails">
<link:definition> 9954684 - Disclosure - Note 53 Balances Arising From Transactions With Entities Of The Group Explanatory (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note53BalanceofincomestatementarisingfromtransactionswithentitiesofthegroupDetails" roleURI="http://www.bbva.es/role/Note53BalanceofincomestatementarisingfromtransactionswithentitiesofthegroupDetails">
<link:definition> 9954685 - Disclosure - Note 53 Balance of income statement arising from transactions with entities of the group (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note53Transactionswithmembersoftheboardofdirectorsandseniormanagementbalanceat31stdecemberDetails" roleURI="http://www.bbva.es/role/Note53Transactionswithmembersoftheboardofdirectorsandseniormanagementbalanceat31stdecemberDetails">
<link:definition> 9954686 - Disclosure - Note 53 Transactions with members of the board of directors and senior management balance at 31st 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="Note54RemunerationForNonExecutiveDirectorsExplanatoryDetails" roleURI="http://www.bbva.es/role/Note54RemunerationForNonExecutiveDirectorsExplanatoryDetails">
<link:definition> 9954687 - Disclosure - Note 54 Remuneration For Non Executive Directors Explanatory (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note54TheoreticalsharesDetails" roleURI="http://www.bbva.es/role/Note54TheoreticalsharesDetails">
<link:definition> 9954688 - Disclosure - Note 54 Theoretical 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="Note54AnnualfixedremunerationDetails" roleURI="http://www.bbva.es/role/Note54AnnualfixedremunerationDetails">
<link:definition> 9954689 - Disclosure - Note 54 Annual fixed remuneration (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note54AnnualvariableremunerationAVRDetails" roleURI="http://www.bbva.es/role/Note54AnnualvariableremunerationAVRDetails">
<link:definition> 9954690 - Disclosure - Note 54 Annual variable remuneration (AVR) (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Nota54DeferredannualvariableremunerationfrompreviousfinancialyearsDetails" roleURI="http://www.bbva.es/role/Nota54DeferredannualvariableremunerationfrompreviousfinancialyearsDetails">
<link:definition> 9954691 - Disclosure - Nota 54 Deferred annual variable remuneration from previous financial years (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note54ExecutivedirectorsDetails" roleURI="http://www.bbva.es/role/Note54ExecutivedirectorsDetails">
<link:definition> 9954692 - Disclosure - Note 54 Executive directors (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note54AnnualfixedremunerationSeniormanagementDetails" roleURI="http://www.bbva.es/role/Note54AnnualfixedremunerationSeniormanagementDetails">
<link:definition> 9954693 - Disclosure - Note 54 Annual fixed remuneration Senior management (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note54AnnualvariableremunerationAVRSeniormanagementDetails" roleURI="http://www.bbva.es/role/Note54AnnualvariableremunerationAVRSeniormanagementDetails">
<link:definition> 9954694 - Disclosure - Note 54 Annual variable remuneration (AVR) Senior management (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note54DeferredannualvariableremunerationfrompreviousyearsseniormanagementDetails" roleURI="http://www.bbva.es/role/Note54DeferredannualvariableremunerationfrompreviousyearsseniormanagementDetails">
<link:definition> 9954695 - Disclosure - Note 54 Deferred annual variable remuneration from previous years senior management (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="Note54PensioncommitmentswithmembersofSeniorManagementDetails" roleURI="http://www.bbva.es/role/Note54PensioncommitmentswithmembersofSeniorManagementDetails">
<link:definition> 9954696 - Disclosure - Note 54 Pension commitments with members of Senior Management (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
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<xs:element id="bbva_DerivativesAxis" abstract="true" name="DerivativesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" 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_DefinedBenefitsTableTextBlock" abstract="false" name="DefinedBenefitsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_DepositsAtAmortizedCost" abstract="false" name="DepositsAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FinancialLiabilitiesAtAmortisedCostLineItems" abstract="true" name="FinancialLiabilitiesAtAmortisedCostLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_UnobservableInputsTable" abstract="true" name="UnobservableInputsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_TangibleAssetsBreakdownByDetailAxis" abstract="true" name="TangibleAssetsBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_DeferredAVRSeniorManagementDomain" abstract="true" name="DeferredAVRSeniorManagementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_PercentageImpactOnNetInterestIncome" abstract="false" name="PercentageImpactOnNetInterestIncome" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_FeesAndCommissionExpenseTableTextBlock" abstract="false" name="FeesAndCommissionExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock" abstract="false" name="VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_Sep33Member" abstract="true" name="Sep33Member" 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_NonCashChangesLiabilitiesFromFinancingActivities" abstract="false" name="NonCashChangesLiabilitiesFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_AccountingPolicyForGoodwillPolicyTextBlock" abstract="false" name="AccountingPolicyForGoodwillPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" abstract="false" name="ReservesOrAccumulatedLossesOfInvestmentsInSubsidariesJointVenturesAndAssociates" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_LaterThanNineMonthsAndNotLaterThanOneYearMember" abstract="true" name="LaterThanNineMonthsAndNotLaterThanOneYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_NetIncreaseDecreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" abstract="false" name="NetIncreaseDecreaseInOtherFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_A2019Member" abstract="true" name="A2019Member" 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_BookValueMember" abstract="true" name="BookValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AccumulatedOtherComprehensiveIncomeNonControllingInterestMember" abstract="true" name="AccumulatedOtherComprehensiveIncomeNonControllingInterestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_FinancialAssetsAndLiabilitiesHeldForTradingAbstract" abstract="true" name="FinancialAssetsAndLiabilitiesHeldForTradingAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock" abstract="false" name="DeferredTaxAssetsAndLiabilitiesAnnualVariationsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_IncomeByOperatingSegmentAxis" abstract="true" name="IncomeByOperatingSegmentAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" 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_Sept23Member" abstract="true" name="Sept23Member" 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_BBVAArgentineGroupMember" abstract="true" name="BBVAArgentineGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_LiquidityAvailableByInstrumentTableTextBlock" abstract="false" name="LiquidityAvailableByInstrumentTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_SharesOfBBVAAcceptedInPledgeTableTextBlock" abstract="false" name="SharesOfBBVAAcceptedInPledgeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_StagesAxis" abstract="true" name="StagesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_AnnualVariableRemunerationSeniorManagementLineItems" abstract="true" name="AnnualVariableRemunerationSeniorManagementLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis" abstract="true" name="ClassesOfFinancialInstrumentsSourcesOfEncumbranceAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_RalGalambaMember" abstract="true" name="RalGalambaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_PrinciplesOfConsoldiationAcountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsAbstract" abstract="true" name="PrinciplesOfConsoldiationAcountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_BBVAAndSpanishSubsidiariesMember" abstract="true" name="BBVAAndSpanishSubsidiariesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DebtCertificatesIssuedTable" abstract="true" name="DebtCertificatesIssuedTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable" abstract="true" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_SecuredTaxAssetsLineItems" abstract="true" name="SecuredTaxAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsUnderIFRS4Domain" abstract="true" name="MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsUnderIFRS4Domain" 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_InterestIncomeForInsuranceActivity" abstract="false" name="InterestIncomeForInsuranceActivity" 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_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTableTextBlock" abstract="false" name="VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock" abstract="false" name="LoansAndAdvancesBreakdownByCounterpartyAndProductTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_TaxLiabilities" abstract="false" name="TaxLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_VaRByRiskFactorDomain" abstract="true" name="VaRByRiskFactorDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_DebtSecuritiesAvailableForSaleAxis" abstract="true" name="DebtSecuritiesAvailableForSaleAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_PostEmploymentCommitmentsTable" abstract="true" name="PostEmploymentCommitmentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_PerpetualMember" abstract="true" name="PerpetualMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_AssetsOfTheGroupByOperatingSegmentsDomain" abstract="true" name="AssetsOfTheGroupByOperatingSegmentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_EffectOffsettingForDerivativesAndSecuritiesOperationTable" abstract="true" name="EffectOffsettingForDerivativesAndSecuritiesOperationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_AdministrativeAndSupportServiceActivitiesMember" abstract="true" name="AdministrativeAndSupportServiceActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_SecuritizedLoansTableTextBlock" abstract="false" name="SecuritizedLoansTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_FinancialAssetsAndLiabilitiesHeldForTradingTable" abstract="true" name="FinancialAssetsAndLiabilitiesHeldForTradingTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_AssetsOfTheGroupByOperatingSegmentsTable" abstract="true" name="AssetsOfTheGroupByOperatingSegmentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_CouponAxis" abstract="true" name="CouponAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost" abstract="false" name="GainsLossesOnDerecognitionOfFinancialAssetsAtAmortizedCost" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DepreciationRatesForTangibleAssetsAxis" abstract="true" name="DepreciationRatesForTangibleAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" abstract="true" name="LiabilitiesUnderInsuranceAndReinsuranceContractsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" abstract="false" name="EquityNotEligibleAtSolvencyLevelEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract" abstract="true" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_OtherLongTermEmployeeBenefits" abstract="false" name="OtherLongTermEmployeeBenefits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_LourdesMaizCarroMember" abstract="true" name="LourdesMaizCarroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AdministrationCostsAbstract" abstract="true" name="AdministrationCostsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_SensitivityAnalysisTable" abstract="true" name="SensitivityAnalysisTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_A2To5Member" abstract="true" name="A2To5Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" abstract="false" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_Volatility" abstract="false" name="Volatility" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
<xs:element id="bbva_VaREstimationAxis" abstract="true" name="VaREstimationAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_Dec28Member" abstract="true" name="Dec28Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock" abstract="false" name="ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock" abstract="false" name="WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock" abstract="false" name="AccountingPoliciesForEntitiesAndBranchesLocatedInCountriesWithHiperinflationaryEconomiesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_CET1PhasedInMember" abstract="true" name="CET1PhasedInMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AccountingPolicyForInsuranceContractsPolicyTextBlock" abstract="false" name="AccountingPolicyForInsuranceContractsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_Impairment" abstract="false" name="Impairment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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_AccumulatedOtherComprehensiveIncomeNonControllingInterest" abstract="false" name="AccumulatedOtherComprehensiveIncomeNonControllingInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_ProvisionsOrReversalOfProvisionsAbstract" abstract="true" name="ProvisionsOrReversalOfProvisionsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_OtherOperatingExpenseTableTextBlock" abstract="false" name="OtherOperatingExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_FinancialLiabilitiesAtFairValueBreakdownByDetailAxis" abstract="true" name="FinancialLiabilitiesAtFairValueBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_MathematicalReservesTable" abstract="true" name="MathematicalReservesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" abstract="false" name="PositiveScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_CostOfTangibleAssets" abstract="false" name="CostOfTangibleAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_LowerEffectiveTaxRateFromForeignEntitiesMember" abstract="true" name="LowerEffectiveTaxRateFromForeignEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_MaturityOfFuturePaymentObligationsTableTextBlock" abstract="false" name="MaturityOfFuturePaymentObligationsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_LeverageRatioLineItems" abstract="true" name="LeverageRatioLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_DebtSecuritiesAtAmortizedCost" abstract="false" name="DebtSecuritiesAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_EquityImpactTable" abstract="true" name="EquityImpactTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss" abstract="false" name="HedgingInstrumentsNonDesignatedItemsThatMayBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ExpectedLossVariationTable" abstract="true" name="ExpectedLossVariationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_ExchangeDifferences" abstract="false" name="ExchangeDifferences" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_MemorandumItemSubordinatedLiabilitiesAtAmortisedCost" abstract="false" name="MemorandumItemSubordinatedLiabilitiesAtAmortisedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_OtherLiabilitiesLineItems" abstract="true" name="OtherLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock" abstract="false" name="MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_ChangesInLiabilitiesFromFinancingActivitiesDomain" abstract="true" name="ChangesInLiabilitiesFromFinancingActivitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_OptionModelsOnEquitiesBasketsOfEquityFundsMember" abstract="true" name="OptionModelsOnEquitiesBasketsOfEquityFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" abstract="false" name="ReclassificationOfFinancialAssetsFromAmortizedCostToHeldForTrading" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_OtherRetainedEarningsLossesAndRevaluationReservesMember" abstract="true" name="OtherRetainedEarningsLossesAndRevaluationReservesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_BreakdownByUGEsAxis" abstract="true" name="BreakdownByUGEsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations" abstract="false" name="OtherReclassificationsHedgeOfNetInvestmentsInForeignOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_TransfersOutOfLevel2IntoLevel3" abstract="false" name="TransfersOutOfLevel2IntoLevel3" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_NSFRMainLMUAxis" abstract="true" name="NSFRMainLMUAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_InsuranceContractsPlanAssetsBreakdownMember" abstract="true" name="InsuranceContractsPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_DisclosureOfFinancialAssetsAtAmortisedCostTextBlock" abstract="false" name="DisclosureOfFinancialAssetsAtAmortisedCostTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_NetTransfersToLevel3" abstract="false" name="NetTransfersToLevel3" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_ResidualMaturitiesInstrumentsAxis" abstract="true" name="ResidualMaturitiesInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_InvestmentInListedMarketsDomain" abstract="true" name="InvestmentInListedMarketsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_JuanPiLlorensMember" abstract="true" name="JuanPiLlorensMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ExecutiveDirectorsAxis" abstract="true" name="ExecutiveDirectorsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_BasicAndDilutedEarningsPerShareTableTextBlock" abstract="false" name="BasicAndDilutedEarningsPerShareTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_PensionCommitmentsWithMembersOfSeniorManagementTable" abstract="true" name="PensionCommitmentsWithMembersOfSeniorManagementTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="OtherComprehensiveIncomeDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_PostEmploymentMedicalBenefitsEquityImpactMember" abstract="true" name="PostEmploymentMedicalBenefitsEquityImpactMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_LoansAndAdvancesToCustomersHeldForTrading" abstract="false" name="LoansAndAdvancesToCustomersHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_OtherInterestIncomeInterestAndOtherIncome" abstract="false" name="OtherInterestIncomeInterestAndOtherIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TotalPlanAssetsBreakdownMember" abstract="true" name="TotalPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AnnualFixedRemunerationLineItems" abstract="true" name="AnnualFixedRemunerationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_TaxAssetsAndLiabiltiesAbstract" abstract="true" name="TaxAssetsAndLiabiltiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_OtherNonLifeInsuranceProductsMember" abstract="true" name="OtherNonLifeInsuranceProductsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_FinancialAssetsHeldForTrading" abstract="false" name="FinancialAssetsHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TotalStageMember" abstract="true" name="TotalStageMember" 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_TypeOfRiskProductOrMarketOfDerivativesDomain" abstract="true" name="TypeOfRiskProductOrMarketOfDerivativesDomain" 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_CommonEquityTIER1CET1Member" abstract="true" name="CommonEquityTIER1CET1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementDomain" abstract="true" name="DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock" abstract="false" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_OfWhichHyperinflationEffectFromFinancingActivities" abstract="false" name="OfWhichHyperinflationEffectFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_LevelsOfFairValueHierarchyDomain" abstract="true" name="LevelsOfFairValueHierarchyDomain" 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_ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract" abstract="true" name="ProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_GeographyAxisMarketRiskAxis" abstract="true" name="GeographyAxisMarketRiskAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_A9375Member" abstract="true" name="A9375Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember" abstract="true" name="DirectAndIndirectHoldingsInOwnCommonEquityTier1InstrumentsMember" 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_HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss" abstract="false" name="HedgingDerivativesCashFlowHedgesEffectivePortionThatMayBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTableTextBlock" abstract="false" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_EntityOfTheGroupDomain" abstract="true" name="EntityOfTheGroupDomain" 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_FinancialGuaranteesAndOtherCommitmentsLineItems" abstract="true" name="FinancialGuaranteesAndOtherCommitmentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" abstract="false" name="GainsLossesOnSaleOfInvestmentsClassifiedAsNonCurrentAssetsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_OtherAgreementsHedgeAccountingMember" abstract="true" name="OtherAgreementsHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfTaxAssetsAndLiabilitiesTextBlock" abstract="false" name="DisclosureOfTaxAssetsAndLiabilitiesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis" abstract="true" name="ClassesOfFinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_DefferedTaxAssetsAndLiabilitiesLineItems" abstract="true" name="DefferedTaxAssetsAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_IncomeTaxAndOther" abstract="false" name="IncomeTaxAndOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax" abstract="false" name="NonCurrentAssetsAndDisposalGroupsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossNetOfTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DerivativesHedgeAccountingMember" abstract="true" name="DerivativesHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock" abstract="false" name="AccountingPolicyForTransfersAndDerecognitionOfFinancialAssetsAndLiabilitiesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_CommitmentsAndGuaranteesGivenAbstract" abstract="true" name="CommitmentsAndGuaranteesGivenAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_TaxesOtherThanIncomeTax" abstract="false" name="TaxesOtherThanIncomeTax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentAxis" abstract="true" name="DepositsFromCustomersByGeographicalAreaAndInstrumentAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis" abstract="true" name="FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" 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_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis" abstract="true" name="DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" abstract="false" name="NetIncreaseDecreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_EarlyRetirementCommitments" abstract="false" name="EarlyRetirementCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" abstract="false" name="HedgeIneffectivenessOfFairValueHedgesForEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="LoansAndAdvancesAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock" abstract="false" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_LCRMainLMULineItems" abstract="true" name="LCRMainLMULineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems" abstract="true" name="SharesOfBBVAOwnedByThirdPartiesButManagedByTheGroupLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_ActuarialAssumptionsPercentageTableTextBlock" abstract="false" name="ActuarialAssumptionsPercentageTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_ClassesOfFinancialInstrumentsCollateralReceivedDomain" abstract="true" name="ClassesOfFinancialInstrumentsCollateralReceivedDomain" 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_IncomeByOperatingSegmentDomain" abstract="true" name="IncomeByOperatingSegmentDomain" 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_LoansAndAdvancesToCustomersMember" abstract="true" name="LoansAndAdvancesToCustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_MaturityOfFuturePaymentObligationsAxis" abstract="true" name="MaturityOfFuturePaymentObligationsAxis" 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_DefinedBenefitPlansExpense" abstract="false" name="DefinedBenefitPlansExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsUnderIFRS4TableTextBlock" abstract="false" name="MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsUnderIFRS4TableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock" abstract="false" name="DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ClassesOfTangibleAssetsAxis" abstract="true" name="ClassesOfTangibleAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_DividendsRevenueTable" abstract="true" name="DividendsRevenueTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" abstract="false" name="DebtSecuritiesArisingFromTransactionsWithEntitiesOfTheGroup" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_BBVABBBRatingMember" abstract="true" name="BBVABBBRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock" abstract="false" name="DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsAbstract" abstract="true" name="ImpairmentOrReversalOfImpairmentOnNonFinancialAssetsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_EstimatedBenefitPaymentsTable" abstract="true" name="EstimatedBenefitPaymentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_CashFlowsLiabilitiesFromFinancingActivities" abstract="false" name="CashFlowsLiabilitiesFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock" abstract="false" name="SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_MaturityDomain" abstract="true" name="MaturityDomain" 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_DividendIncomeAbstract" abstract="true" name="DividendIncomeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_BankingAndOtherFinancialServicesMember" abstract="true" name="BankingAndOtherFinancialServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfSubsequentEventsTextBlock" abstract="false" name="DisclosureOfSubsequentEventsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_TotalTransferredFinancialAssetsMember" abstract="true" name="TotalTransferredFinancialAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_NotionalMaturitiesOfTheHedgingInstrumentsDomain" abstract="true" name="NotionalMaturitiesOfTheHedgingInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ExecutiveDirectorsLineItems" abstract="true" name="ExecutiveDirectorsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialAssetsAtAmortisedCostTableTextBlock" abstract="false" name="FinancialAssetsAtAmortisedCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_USASaleEffectMember" abstract="true" name="USASaleEffectMember" 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_ExchangeDifferenceAndOtherTangibleAssetsMember" abstract="true" name="ExchangeDifferenceAndOtherTangibleAssetsMember" 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_DebtCertificatesIssuedLineItems" abstract="true" name="DebtCertificatesIssuedLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_TypeOfStageDomain" abstract="true" name="TypeOfStageDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DepositsFromBanksBreakdownByGeographyTable" abstract="true" name="DepositsFromBanksBreakdownByGeographyTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_DepositsFromCreditInstitutionsHeldForTrading" abstract="false" name="DepositsFromCreditInstitutionsHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ImpactOfTheStressTestLineItems" abstract="true" name="ImpactOfTheStressTestLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_DebtSecuritiesHeldForTrading" abstract="false" name="DebtSecuritiesHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock" abstract="false" name="InvestmentsInSubsidiariesJointVenturesAndAssociatesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_IncreaseDecreaseInOtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities" abstract="false" name="IncreaseDecreaseInOtherFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLossOperatingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_OtherNonConvertibleSubordinatedLiabilitiesMember" abstract="true" name="OtherNonConvertibleSubordinatedLiabilitiesMember" 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_TotalMaximumCreditRiskExposuresMember" abstract="true" name="TotalMaximumCreditRiskExposuresMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" abstract="false" name="GainsLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangeDifferences" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_CostServiceMarginMember" abstract="true" name="CostServiceMarginMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" abstract="false" name="RetainedEarningsRevaluationReservesAndOtherReservesEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems" abstract="true" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_MortalityTableAverageTechnicalInterestRateLineItems" abstract="true" name="MortalityTableAverageTechnicalInterestRateLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_SecuritiesLocationByCountryAxis" abstract="true" name="SecuritiesLocationByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet" abstract="false" name="GainslossesOnDerecognitionOfNonFinancialAssetsAndSubsidiariesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_SeniorManagementRetirement" abstract="false" name="SeniorManagementRetirement" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ApplicationOfResultsLineItems" abstract="true" name="ApplicationOfResultsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems" abstract="true" name="DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialInstrumentsLevel3ChangesInTheYearTable" abstract="true" name="FinancialInstrumentsLevel3ChangesInTheYearTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_TangibleAssetsAbstract" abstract="true" name="TangibleAssetsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ConsolidatedIncomeStatementImpactTableTextBlock" abstract="false" name="ConsolidatedIncomeStatementImpactTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale" abstract="false" name="IncreaseDecreaseInCashAndCashEquivalentsIncludingCompaniesHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_EffectiveTaxRateDomain" abstract="true" name="EffectiveTaxRateDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ImpairmentTestAssumptionsMexicoLineItems" abstract="true" name="ImpairmentTestAssumptionsMexicoLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_WholesaleFundingMember" abstract="true" name="WholesaleFundingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_Nov34Member" abstract="true" name="Nov34Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_DerivativesAndSecuritiesAxis" abstract="true" name="DerivativesAndSecuritiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_TaxEffectOfForeignTaxRatesReconciliationLineItems" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_A2020Member" abstract="true" name="A2020Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" abstract="false" name="AccountingPolicyForNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleAndLiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSaleTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ChangesInEstimatesThatResultInLossesReversalsOnOnerousContractsMember" abstract="true" name="ChangesInEstimatesThatResultInLossesReversalsOnOnerousContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable" abstract="true" name="MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_ClassesOfTangibleAssetsDomain" abstract="true" name="ClassesOfTangibleAssetsDomain" 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_ImpairedLoansAndAdvancesAtAmortizedCost" abstract="false" name="ImpairedLoansAndAdvancesAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_CustomerDepositsAtFairValue" abstract="false" name="CustomerDepositsAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_PurchasesOfTreasurySharesInMillionsOfEuros" abstract="false" name="PurchasesOfTreasurySharesInMillionsOfEuros" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems" abstract="true" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_OtherJointVenturesMember" abstract="true" name="OtherJointVenturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract" abstract="true" name="PostEmploymentAndOtherEmployeeBenefitCommitmentsAbstract" 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_TaxAssets" abstract="false" name="TaxAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" abstract="false" name="ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociates" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_EncumberedAndUnencumberedAsstesTableTextBlock" abstract="false" name="EncumberedAndUnencumberedAsstesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_EstimatedBenefitPaymentsByCountryAxis" abstract="true" name="EstimatedBenefitPaymentsByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialLiabilitiesAtAmortisedCostTable" abstract="true" name="FinancialLiabilitiesAtAmortisedCostTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_AccruedDepreciationChangesInTheYear" abstract="false" name="AccruedDepreciationChangesInTheYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_AmountInMillionsOfEurosAxis" abstract="true" name="AmountInMillionsOfEurosAxis" 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_DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock" abstract="false" name="DisclosureOfShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_CofidesMember" abstract="true" name="CofidesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AccountingPolicyForDeferredIncomeTaxPolicyTextBlock" abstract="false" name="AccountingPolicyForDeferredIncomeTaxPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_SourcesOfEncumbranceTable" abstract="true" name="SourcesOfEncumbranceTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_JointVenturesAndAssociatesChangesInTheYearTableTextBlock" abstract="false" name="JointVenturesAndAssociatesChangesInTheYearTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_DerivativesNetMember" abstract="true" name="DerivativesNetMember" 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_OfWhichOTCOtherMember" abstract="true" name="OfWhichOTCOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_SubjectToLifetimeECLMember" abstract="true" name="SubjectToLifetimeECLMember" 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_DisclosureOfNonCurrentAssetsAndLiabilitiesAndDisposalGroupsClassifiedAsHeldForSaleTextBlock" abstract="false" name="DisclosureOfNonCurrentAssetsAndLiabilitiesAndDisposalGroupsClassifiedAsHeldForSaleTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_BookValueOfFinancialLiabilitiesMember" abstract="true" name="BookValueOfFinancialLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTable" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_ForeignSecurity" abstract="false" name="ForeignSecurity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock" abstract="false" name="CashCashBalancesAtCentralBanksAndOtherDemandDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock" abstract="false" name="AccountingPolicyForRecognitionOfNonFinancialServicesRevenuePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_Jan23Member" abstract="true" name="Jan23Member" 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_RangesTreasuryStockDomain" abstract="true" name="RangesTreasuryStockDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_LoansAndAdvancesToCreditInstitutionsAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="LoansAndAdvancesToCreditInstitutionsAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FinancialLiabilitiesIssuedEncumberedAssetsLineItems" abstract="true" name="FinancialLiabilitiesIssuedEncumberedAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_SeniorManagementDeathAndDisability" abstract="false" name="SeniorManagementDeathAndDisability" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_PercentageEffectiveTaxRate" abstract="false" name="PercentageEffectiveTaxRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<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_LoansAndAdvancesByCounterpartyAndProduct" abstract="false" name="LoansAndAdvancesByCounterpartyAndProduct" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_Series12NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember" abstract="true" name="Series12NonStepUpNonCumulativeContingentConvertiblePerpetualPreferredTier1SecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_Sep29Member" abstract="true" name="Sep29Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_TransferredFinancialAssetsDomain" abstract="true" name="TransferredFinancialAssetsDomain" 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_MinorityInterestsNonControllingInterestsLineItems" abstract="true" name="MinorityInterestsNonControllingInterestsLineItems" 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_TotalCapitalTier1Tier2" abstract="false" name="TotalCapitalTier1Tier2" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_OtherNonFinancialServicesMember" abstract="true" name="OtherNonFinancialServicesMember" 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_ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember" abstract="true" name="ChangesInAllowancesOfLoansAndAdvancesAtAmortizedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AlturaMarketsSVSAMember" abstract="true" name="AlturaMarketsSVSAMember" 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_ImpairmentOfTangibleAssetsChangesInTheYear" abstract="false" name="ImpairmentOfTangibleAssetsChangesInTheYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ExecutiveDirectorsDomain" abstract="true" name="ExecutiveDirectorsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_PositiveScenarioTable" abstract="true" name="PositiveScenarioTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTable" abstract="true" name="VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByLiabilitiesForTheRemainingCoverageAndLiabilitiesForIncurredClaimsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_May25Member" abstract="true" name="May25Member" 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_DepositsFromBanksByCountryDomain" abstract="true" name="DepositsFromBanksByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_DeferredAVRDomain" abstract="true" name="DeferredAVRDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_AmountsTransferredToReserves" abstract="false" name="AmountsTransferredToReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_CommoditiesMember" abstract="true" name="CommoditiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_CounterpartiesImpairedSecuredLoansDomain" abstract="true" name="CounterpartiesImpairedSecuredLoansDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_MainCurrenciesSensitivityAxis" abstract="true" name="MainCurrenciesSensitivityAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_InstrumentsCoveredByFairValueHedgesAxis" abstract="true" name="InstrumentsCoveredByFairValueHedgesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_BBVAAAARatingMember" abstract="true" name="BBVAAAARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ImpairmentReversalFromLossComponentMember" abstract="true" name="ImpairmentReversalFromLossComponentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_Nov33Member" abstract="true" name="Nov33Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_LossAllowancesOnFinancialAssetsPolicyTextBlock" abstract="false" name="LossAllowancesOnFinancialAssetsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_InformationAboutUnobservableInputsAxis" abstract="true" name="InformationAboutUnobservableInputsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_PaidUpCapital" abstract="false" name="PaidUpCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FinancialAssetsLevel3SensitivityAnalysisDomain" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisDomain" 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_ProfitOrLossAttributableToOwnersOfTheParent" abstract="false" name="ProfitOrLossAttributableToOwnersOfTheParent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_SensitivityAnalysisTableTextBlock" abstract="false" name="SensitivityAnalysisTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_OtherIntangibleAssetsTableTextBlock" abstract="false" name="OtherIntangibleAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_FinancialAssetsAtAmortisedCostDomain" abstract="true" name="FinancialAssetsAtAmortisedCostDomain" 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_ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain" abstract="true" name="ClassesOfFinancialInstrumentsSourcesOfEncumbranceDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AnnualFixedRemuneration" abstract="false" name="AnnualFixedRemuneration" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_IncomeByOperatingSegmentLineItems" abstract="true" name="IncomeByOperatingSegmentLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember" abstract="true" name="HedgeAdjustmentsIncludedInTheCarryingAmountOfAssetsAndLiabilitiesMember" 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_LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" abstract="false" name="LiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_AccountingPolicyForFinancialInstrumentsPolicyTextBlock" abstract="false" name="AccountingPolicyForFinancialInstrumentsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_FinancialAssetsAtFairValueBreakdownByDetailAxis" abstract="true" name="FinancialAssetsAtFairValueBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" 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_PortfolioAxis" abstract="true" name="PortfolioAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_A5570Member" abstract="true" name="A5570Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_OtherServicesRenderedLineItems" abstract="true" name="OtherServicesRenderedLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_A8450Member" abstract="true" name="A8450Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByValuationComponentTable" abstract="true" name="VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsAnalyzedByValuationComponentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_RealEstateActivitiesMember" abstract="true" name="RealEstateActivitiesMember" 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_DeferredTaxGuaranteedTaxAssets" abstract="false" name="DeferredTaxGuaranteedTaxAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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"/>
<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_InsuranceProductCommissions" abstract="false" name="InsuranceProductCommissions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_UnobservableInputs" abstract="false" name="UnobservableInputs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_SubordinatedDeposits" abstract="false" name="SubordinatedDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_PlanAssetsBreakdownAxis" abstract="true" name="PlanAssetsBreakdownAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_SubtotalUnlistedEquityInstrumentsMember" abstract="true" name="SubtotalUnlistedEquityInstrumentsMember" 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_ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems" abstract="true" name="ChangesOverTheYearForProvisionsForPensionsAndSimilarObligationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_CreditDerivativesMember" abstract="true" name="CreditDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ContractsInitiallyRecognizedInTheYearMember" abstract="true" name="ContractsInitiallyRecognizedInTheYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock" abstract="false" name="DisclosureOfIncomeAndExpensesFromInsuranceAndReinsuranceContractsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_AnnualFixedRemunerationTableTextBlock" abstract="false" name="AnnualFixedRemunerationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_AnnualVariableRemunerationSeniorManagementInShares" abstract="false" name="AnnualVariableRemunerationSeniorManagementInShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
<xs:element id="bbva_AugNov28Member" abstract="true" name="AugNov28Member" 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_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock" abstract="false" name="DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgesOfInterestRateRiskPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ChangesInImpairedAssetsAndGuaranteesGivenLineItems" abstract="true" name="ChangesInImpairedAssetsAndGuaranteesGivenLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_TaxAssetsAndLiabilitiesTable" abstract="true" name="TaxAssetsAndLiabilitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_InsuranceAndReinsuranceContractsInIncomeAndExpenseLineItems" abstract="true" name="InsuranceAndReinsuranceContractsInIncomeAndExpenseLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_BilbaoVizcayaHoldingSAMember" abstract="true" name="BilbaoVizcayaHoldingSAMember" 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_OtherFinancialCorporationsMember" abstract="true" name="OtherFinancialCorporationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_HybridFinancialInstrumentsMember" abstract="true" name="HybridFinancialInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_TangibleAssetsBreakdownByDetailDomain" abstract="true" name="TangibleAssetsBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_A5862FixedRateSeniorNonPreferredNotesDue2026Member" abstract="true" name="A5862FixedRateSeniorNonPreferredNotesDue2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_MedicalBenefitsCommitmentsBreakdownByDetailAxis" abstract="true" name="MedicalBenefitsCommitmentsBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock" abstract="false" name="MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByGeographicalLocationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_DisclosureOfProbabilityOfDefaultLineItems" abstract="true" name="DisclosureOfProbabilityOfDefaultLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_OtherExchangesMember" abstract="true" name="OtherExchangesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" abstract="false" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleMayBeReclassified" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_OtherCountriesMember" abstract="true" name="OtherCountriesMember" 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_TangibleAssetsBreakdownByTypeOfAssetTableTextBlock" abstract="false" name="TangibleAssetsBreakdownByTypeOfAssetTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_PersonnelExpenseConsolidatedIncomeStatementImpact" abstract="false" name="PersonnelExpenseConsolidatedIncomeStatementImpact" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_NotionalMaturitiesOfTheHedgingInstrumentsLineItems" abstract="true" name="NotionalMaturitiesOfTheHedgingInstrumentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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<xs:element id="bbva_AvailableAmountForInterimDividendPaymentsTableTextBlock" abstract="false" name="AvailableAmountForInterimDividendPaymentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ProfessionalScientificAndTechnicalActivitiesMember" abstract="true" name="ProfessionalScientificAndTechnicalActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_EffectiveTaxPercentageOnReconciliation" abstract="false" name="EffectiveTaxPercentageOnReconciliation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<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_GovernmentAgencyDebtSecuritiesMember" abstract="true" name="GovernmentAgencyDebtSecuritiesMember" 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_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" abstract="false" name="DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable" abstract="true" name="BreakdownByCompanyOfRetainedEarningsRevaluationReservesAndOtherReservesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_NetAnnualOriginationOfFinancialAssets" abstract="false" name="NetAnnualOriginationOfFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FinancialLiabilitiesAtAmortisedCostAxis" abstract="true" name="FinancialLiabilitiesAtAmortisedCostAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock" abstract="false" name="TransactionsWithMembersOfTheBoardOfDirectorsAndSeniorManagementBalanceAt31stDecemberTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_TotalAssetsLineItems" abstract="true" name="TotalAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_PublicAdministrationMember" abstract="true" name="PublicAdministrationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-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_OtherCommitmentsGivenMember" abstract="true" name="OtherCommitmentsGivenMember" 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_MinorityInterestAxis" abstract="true" name="MinorityInterestAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" 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_DecreaseForeclosedAssets" abstract="false" name="DecreaseForeclosedAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_JosMiguelAndrsTorrecillasMember" abstract="true" name="JosMiguelAndrsTorrecillasMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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<xs:element id="bbva_FinancialAssetsLevel3Total" abstract="false" name="FinancialAssetsLevel3Total" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ExpenseArisingFromInsuranceContracts" abstract="false" name="ExpenseArisingFromInsuranceContracts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ChangesInOtherIntangibleAssetsTableTextBlock" abstract="false" name="ChangesInOtherIntangibleAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract" abstract="true" name="IncomeAndExpensesFromInsuranceAndReinsuranceContractsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_Feb27Member" abstract="true" name="Feb27Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_EquityInstrumentsDomain" abstract="true" name="EquityInstrumentsDomain" 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_RalGalambaDeOliveiraMember" abstract="true" name="RalGalambaDeOliveiraMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisposalsAndCapitalReductions" abstract="false" name="DisposalsAndCapitalReductions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DeferredTaxAssetsAndLiabilitiesAnnualVariationsTable" abstract="true" name="DeferredTaxAssetsAndLiabilitiesAnnualVariationsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_PercentageImpactOnNetEconomicValue" abstract="false" name="PercentageImpactOnNetEconomicValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialAssetsAtAmortisedCostAxis" abstract="true" name="FinancialAssetsAtAmortisedCostAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_CurrentServiceCostMember" abstract="true" name="CurrentServiceCostMember" 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_PersonnelExpensesLineItems" abstract="true" name="PersonnelExpensesLineItems" 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_OfWhichSecuredFinancialInstrumentsAxis" abstract="true" name="OfWhichSecuredFinancialInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock" abstract="false" name="ImpairmentTestAssumptionsCGUGoodwillInMexicoTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_CollateralPledgesReceivedTableTextBlock" abstract="false" name="CollateralPledgesReceivedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_TaxRecognizedInTotalEquityTableTextBlock" abstract="false" name="TaxRecognizedInTotalEquityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_ClassesOfAssetsAxisAxis" abstract="true" name="ClassesOfAssetsAxisAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialAssetsAtAmortisedCostAbstract" abstract="true" name="FinancialAssetsAtAmortisedCostAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_AnnualVariableRemunerationDomain" abstract="true" name="AnnualVariableRemunerationDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_CollectionsTreasurySharesDisposal" abstract="false" name="CollectionsTreasurySharesDisposal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock" abstract="false" name="DisclosureOfConsolidatedStatementsOfCashFlowsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_DisclosureOfNetInterestIncomeTextBlock" abstract="false" name="DisclosureOfNetInterestIncomeTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_TreasurySharesByEntitiesAxis" abstract="true" name="TreasurySharesByEntitiesAxis" 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"/>
<xs:element id="bbva_SignificantUnobservableInputsLineItems" abstract="true" name="SignificantUnobservableInputsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialLiabilitiesAtAmortisedCostTableTextBlock" abstract="false" name="FinancialLiabilitiesAtAmortisedCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_FeeAndCommissionIncomeRelatedPartiesTransactions" abstract="false" name="FeeAndCommissionIncomeRelatedPartiesTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_HedgedItemsInFairValueHedgesLineItems" abstract="true" name="HedgedItemsInFairValueHedgesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems" abstract="true" name="VariationInLiabilitiesUnderInsuranceAndReinsuranceContractsByValuationComponentLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable" abstract="true" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_NonCashChangesFromFinancingActivitiesDomain" abstract="true" name="NonCashChangesFromFinancingActivitiesDomain" 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_RecoveryOfInsuranceAcquisitionsCashFlowsMember" abstract="true" name="RecoveryOfInsuranceAcquisitionsCashFlowsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AdjustmentsToLiabilityForIncurredClaimsMember" abstract="true" name="AdjustmentsToLiabilityForIncurredClaimsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_TaxAssetsAndLiabilitiesTableTextBlock" abstract="false" name="TaxAssetsAndLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_TaxRecognizedInTotalEquityTable" abstract="true" name="TaxRecognizedInTotalEquityTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_DisclosureOfOtherAdministrativeExpenseLineItems" abstract="true" name="DisclosureOfOtherAdministrativeExpenseLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable" abstract="true" name="MaximumCreditRiskExposureAccumulatedAllowancesAndCarryingAmountByCounterpartyTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_TransfersOfFinancialAssets" abstract="false" name="TransfersOfFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DisclosureOfSharePremiumTextBlock" abstract="false" name="DisclosureOfSharePremiumTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_TotalAssetsEncumberedAndUnencumberedMember" abstract="true" name="TotalAssetsEncumberedAndUnencumberedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfAccountantFeesAndServicesTextBlock" abstract="false" name="DisclosureOfAccountantFeesAndServicesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_EquityInstrumentsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" abstract="false" name="EquityInstrumentsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_AnnualVariableRemunerationAxis" abstract="true" name="AnnualVariableRemunerationAxis" 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_AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems" abstract="true" name="AnnualVariableRemunerationDeferredPortionSeniorManagementLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_DepositsInOtherFinancialInstitutionsAndInternationalAgenciesMember" abstract="true" name="DepositsInOtherFinancialInstitutionsAndInternationalAgenciesMember" 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_MedicalBenefitsCommitmentsDomain" abstract="true" name="MedicalBenefitsCommitmentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DebtSecuritiesAtAmortizedCostTableTextBlock" abstract="false" name="DebtSecuritiesAtAmortizedCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_EncumberedAndUnencumberedAssetsDomain" abstract="true" name="EncumberedAndUnencumberedAssetsDomain" 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_ExecutiveDirectorsRetirement" abstract="false" name="ExecutiveDirectorsRetirement" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_InterimDividendsApplicationOfResults" abstract="false" name="InterimDividendsApplicationOfResults" 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_InsuranceContractsLinkedToPensions" abstract="false" name="InsuranceContractsLinkedToPensions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateTable" abstract="true" name="ReconciliationOfTaxationAtTheSpanishCorporationTaxRateTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_AveragePurchasesInEuros" abstract="false" name="AveragePurchasesInEuros" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" abstract="false" name="ReclassificationOfOtherGainsLossesToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FinancialAssetsLiquidityRisk" abstract="false" name="FinancialAssetsLiquidityRisk" 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_OtherNonControllingInterestItems" abstract="false" name="OtherNonControllingInterestItems" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ExecutiveDirectorsDeathAndDisability" abstract="false" name="ExecutiveDirectorsDeathAndDisability" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember" abstract="true" name="AdditionsTransferToDiscontinuedOperationsTangibleAssetsMember" 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_GroupInsuranceLifeInsuranceContractsMember" abstract="true" name="GroupInsuranceLifeInsuranceContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_A2018Member" abstract="true" name="A2018Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain" abstract="true" name="FinancialAssetsAndLiabilitiesHeldForTradingDebtSecuritiesDomain" 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_TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryDomain" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationBreakdownByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_ShareholdersFundsEligibleCapitalResources" abstract="false" name="ShareholdersFundsEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember" abstract="true" name="DebtSecuritiesGovernmentBondsPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-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_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock" abstract="false" name="DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_TangibleAssetsByGroupingSubsidiariesDomain" abstract="true" name="TangibleAssetsByGroupingSubsidiariesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_PastServiceCostExpenseOnIncomeStatement" abstract="false" name="PastServiceCostExpenseOnIncomeStatement" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DeferredTaxAsssetsAndLiabilitiesDomain" abstract="true" name="DeferredTaxAsssetsAndLiabilitiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" abstract="false" name="ReclassificationOfFinancialAssetsFromAmortizedCostToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_BreakdownOfDebtSecuritiesByCreditRatingAxis" abstract="true" name="BreakdownOfDebtSecuritiesByCreditRatingAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_Jan31Member" abstract="true" name="Jan31Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_VaRMinInTheYearMember" abstract="true" name="VaRMinInTheYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_CommoditiesRiskHedgeCashFlowMember" abstract="true" name="CommoditiesRiskHedgeCashFlowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DeferredAnnualVariableRemunerationTable" abstract="true" name="DeferredAnnualVariableRemunerationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock" abstract="false" name="AccountingPolicyForIntangibleAssetsAndGoodwillPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain" abstract="true" name="DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesDomain" 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_CollateralPledgesReceivedLineItems" abstract="true" name="CollateralPledgesReceivedLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_AnnualVariableRemunerationBBVADirectorsLineItems" abstract="true" name="AnnualVariableRemunerationBBVADirectorsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_InvestmentInListedMarketsAxis" abstract="true" name="InvestmentInListedMarketsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_YearsAxis" abstract="true" name="YearsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" 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_InterestRateMember" abstract="true" name="InterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_HedgingDerivativesBreakdownByDetailDomain" abstract="true" name="HedgingDerivativesBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_EarlyRedemptionAxis" abstract="true" name="EarlyRedemptionAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_CurrencyDomain" abstract="true" name="CurrencyDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" abstract="false" name="ActuarialGainsOrLossesOnDefinedBenefitPensionPlansThatWillNotBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock" abstract="false" name="DeferredAnnualVariableRemunerationFromPreviousYearsSeniorManagementTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesAxis" abstract="true" name="BreakdownOfLiabilitiesUnderInsuranceAndReinsuranceContractsThatAreLiabilitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_DisclosureOfPrinciplesOfConsolidationAccountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsTextBlock" abstract="false" name="DisclosureOfPrinciplesOfConsolidationAccountingPoliciesAndMeasurementBasesAppliedAndRecentIFRSPronouncementsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_ProvisionsBreakdownByConceptsLineItems" abstract="true" name="ProvisionsBreakdownByConceptsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_ReverseRepurchaseAgreementsMember" abstract="true" name="ReverseRepurchaseAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_DepreciationTable" abstract="true" name="DepreciationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" abstract="false" name="NegativeScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_NetDefinedBenefitLiabilityAssetDomain" abstract="true" name="NetDefinedBenefitLiabilityAssetDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_VaREstimationDomain" abstract="true" name="VaREstimationDomain" 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_AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock" abstract="false" name="AccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_FinancialAssetsLevel3SensitivityAnalysisAxis" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisAxis" 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_MaximumCreditRiskExposureToCustomersDomain" abstract="true" name="MaximumCreditRiskExposureToCustomersDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_EquityImpactDomain" abstract="true" name="EquityImpactDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_A9540Member" abstract="true" name="A9540Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_HedgingDerivativesBreakdownByDetailAxis" abstract="true" name="HedgingDerivativesBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_DerivativesHedgeAccountingTable" abstract="true" name="DerivativesHedgeAccountingTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTable" abstract="true" name="SensitivityToInterestRateAndCreditSpreadAnalysisTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" 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_ImpairmentLossesMember" abstract="true" name="ImpairmentLossesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ShortPositionsFinancialLiabilitiesHeldForTrading" abstract="false" name="ShortPositionsFinancialLiabilitiesHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DepreciableAssetsDomain" abstract="true" name="DepreciableAssetsDomain" 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_EstimatedBenefitPaymentsByCountryDomain" abstract="true" name="EstimatedBenefitPaymentsByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_MedicalBenefitsCommitments" abstract="false" name="MedicalBenefitsCommitments" 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_A8375Member" abstract="true" name="A8375Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" abstract="false" name="DecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ComparablePricesInputs" abstract="false" name="ComparablePricesInputs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bbva_UnpaidCapitalWhichHasBeenCalledUp" abstract="false" name="UnpaidCapitalWhichHasBeenCalledUp" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_OtherItemsRelatingToFinancingActivities" abstract="false" name="OtherItemsRelatingToFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_LoansAndAdvancesAtAmortizedCostToCustomersTable" abstract="true" name="LoansAndAdvancesAtAmortizedCostToCustomersTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_EquityInstrumentsIssuedOtherThanCapitalMember" abstract="true" name="EquityInstrumentsIssuedOtherThanCapitalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ImpactOfTheStressTestTable" abstract="true" name="ImpactOfTheStressTestTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_FairValueOfFinancialLiabilitiesByLevelsValuationTechniquesAndInputsTableTextBlock" abstract="false" name="FairValueOfFinancialLiabilitiesByLevelsValuationTechniquesAndInputsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ImpactOfTheStressTestTableTextBlock" abstract="false" name="ImpactOfTheStressTestTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_AnnualFixedRemunerationTable" abstract="true" name="AnnualFixedRemunerationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_CreditDefaultVolatility" abstract="false" name="CreditDefaultVolatility" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
<xs:element id="bbva_AmountOfCapitalCC1Table" abstract="true" name="AmountOfCapitalCC1Table" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_OtherAssetsAndLiabilitiesAbstract" abstract="true" name="OtherAssetsAndLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_AnnualVariableRemunerationBBVADirectorsInCash" abstract="false" name="AnnualVariableRemunerationBBVADirectorsInCash" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems" abstract="true" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_RestrictedReservesBreakdownByConceptsLineItems" abstract="true" name="RestrictedReservesBreakdownByConceptsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_DepreciationLineItems" abstract="true" name="DepreciationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_RemunerationForNonExecutiveDirectorsTable" abstract="true" name="RemunerationForNonExecutiveDirectorsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_AverageNSFRMainLMU" abstract="false" name="AverageNSFRMainLMU" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bbva_A4625Member" abstract="true" name="A4625Member" 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_UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" abstract="false" name="UnusedAmountsReversedDuringTheYearOfProvisionsForTaxesLegalContingentsAndOtherProvisions" 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_JointVenturesAndAssociatesBreakdownByEntitiesAxis" abstract="true" name="JointVenturesAndAssociatesBreakdownByEntitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_ValuationAdjustments" abstract="false" name="ValuationAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" abstract="false" name="ForeignCurrencyTranslationThatMayBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_EffectiveTaxRateAxis" abstract="true" name="EffectiveTaxRateAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_AdvancesThatAreNotLoansMember" abstract="true" name="AdvancesThatAreNotLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_TotalConsolidatedIncomeStatementImpact" abstract="false" name="TotalConsolidatedIncomeStatementImpact" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_SalesAndOtherChangesInTreasurySharesInMillionsOfEuros" abstract="false" name="SalesAndOtherChangesInTreasurySharesInMillionsOfEuros" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ConceptAxis" abstract="true" name="ConceptAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" abstract="false" name="HedgeOfNetInvestmentsInForeignOperationsEffectivePortionThatMayBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_InterestIncomeForAdjustmentInterestOnAccountingCoverage" abstract="false" name="InterestIncomeForAdjustmentInterestOnAccountingCoverage" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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"/>
<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_MetrovacesaSAMember" abstract="true" name="MetrovacesaSAMember" 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_AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock" abstract="false" name="AccountingPolicyForRecognitionOfRevenueAndExpensesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_FinancialLiabilitiesLiquidityRisk" abstract="false" name="FinancialLiabilitiesLiquidityRisk" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_AnnualFixedRemunerationSeniorManagementLineItems" abstract="true" name="AnnualFixedRemunerationSeniorManagementLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ValueOfGuaranteesAxis" abstract="true" name="ValueOfGuaranteesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_DebtSecuritiesAtAmortizedCostLineItems" abstract="true" name="DebtSecuritiesAtAmortizedCostLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_LeastFavorableHypothesisMember" abstract="true" name="LeastFavorableHypothesisMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_EducationMember" abstract="true" name="EducationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfRetainedEarningsAndOtherReservesLineItems" abstract="true" name="DisclosureOfRetainedEarningsAndOtherReservesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems" abstract="true" name="DisclosureOfFinancialAssetsLiabilitiesHeldForTradingLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_MedicalBenefitsCommitmentsTableTextBlock" abstract="false" name="MedicalBenefitsCommitmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ImpairmentTestAssumptionsCGUGoodwillInMexicoTable" abstract="true" name="ImpairmentTestAssumptionsCGUGoodwillInMexicoTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_PecriInversionSLMember" abstract="true" name="PecriInversionSLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_SharePremiumAbstract" abstract="true" name="SharePremiumAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_IssuingInstitutionsAxis" abstract="true" name="IssuingInstitutionsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_CommercialDebtorsMember" abstract="true" name="CommercialDebtorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ResidualMaturitiesByContractualPeriodsTableTextBlock" abstract="false" name="ResidualMaturitiesByContractualPeriodsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_Feb30Member" abstract="true" name="Feb30Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_StatementOfCashFlowsLineItems" abstract="true" name="StatementOfCashFlowsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_TotalMember" abstract="true" name="TotalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_BelnGarijoLpezMember" abstract="true" name="BelnGarijoLpezMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_DefaultedMember" abstract="true" name="DefaultedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_OtherCommitmentsAndFinancialGuaranteesGiven" abstract="false" name="OtherCommitmentsAndFinancialGuaranteesGiven" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DividendIncomeBreakdownByHeadlineTableTextBlock" abstract="false" name="DividendIncomeBreakdownByHeadlineTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_BBVABancomerGroupMember" abstract="true" name="BBVABancomerGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_LiabilitiesForRemainingCoverageDomain" abstract="true" name="LiabilitiesForRemainingCoverageDomain" 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_AnnualVariableRemunerationDeferredPortionTable" abstract="true" name="AnnualVariableRemunerationDeferredPortionTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" 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_CompoundConvertibleFinancialInstruments" abstract="false" name="CompoundConvertibleFinancialInstruments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_Stage3Member" abstract="true" name="Stage3Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfProbabilityOfDefaultDomain" abstract="true" name="DisclosureOfProbabilityOfDefaultDomain" 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_DeferredAnnualVariableRemunerationBBVADirectorsInCash" abstract="false" name="DeferredAnnualVariableRemunerationBBVADirectorsInCash" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_A8250Member" abstract="true" name="A8250Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_LoansAndAdvancesToCustomersTableTextBlock" abstract="false" name="LoansAndAdvancesToCustomersTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_CustomerDepositsByCountryAxis" abstract="true" name="CustomerDepositsByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_MiningAndQuarryingMember" abstract="true" name="MiningAndQuarryingMember" 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_BBVAPeruGroupMember" abstract="true" name="BBVAPeruGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_NSFRMainLMUTable" abstract="true" name="NSFRMainLMUTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_ChangeInInventories" abstract="false" name="ChangeInInventories" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_AnnualFixedRemunerationExecutiveDirectorsAxis" abstract="true" name="AnnualFixedRemunerationExecutiveDirectorsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" 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_PaymentsFromFinancingActivities" abstract="false" name="PaymentsFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_TotalLoanCommitmentsAndFinancialGuaranteesMember" abstract="true" name="TotalLoanCommitmentsAndFinancialGuaranteesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_May26Member" abstract="true" name="May26Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_PresentValueMethodMember" abstract="true" name="PresentValueMethodMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_TaxRecognizedInTotalEquity" abstract="false" name="TaxRecognizedInTotalEquity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_AverageTechnicalInterestRate" abstract="false" name="AverageTechnicalInterestRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_NationalSecurity" abstract="false" name="NationalSecurity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_CustodySecurities" abstract="false" name="CustodySecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract" abstract="true" name="ImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ImpairedFinancialAssetsAtAmortisedCostLineItems" abstract="true" name="ImpairedFinancialAssetsAtAmortisedCostLineItems" 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_BreakdownByCounterpartyAndProductLineItems" abstract="true" name="BreakdownByCounterpartyAndProductLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_Nov30Member" abstract="true" name="Nov30Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_PostEmploymentCommitmentsTableTextBlock" abstract="false" name="PostEmploymentCommitmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_EntitiesByMainActivitiesAxis" abstract="true" name="EntitiesByMainActivitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_AnnualFixedRemunerationExecutiveDirectorsDomain" abstract="true" name="AnnualFixedRemunerationExecutiveDirectorsDomain" 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_ForeignDebtSecuritiesMember" abstract="true" name="ForeignDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DepositsFromCustomersByGeographicalAreaAndInstrumentTable" abstract="true" name="DepositsFromCustomersByGeographicalAreaAndInstrumentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_TangibleAssetsBreakdownByTypeOfAssetTable" abstract="true" name="TangibleAssetsBreakdownByTypeOfAssetTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_TransferBetweenLevelsTable" abstract="true" name="TransferBetweenLevelsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" 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_TypeOfMembersAxis" abstract="true" name="TypeOfMembersAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialLiabilitiesAtAmortisedCostAbstract" abstract="true" name="FinancialLiabilitiesAtAmortisedCostAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ImpairedSecuredLoansRisksTableTextBlock" abstract="false" name="ImpairedSecuredLoansRisksTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" abstract="false" name="BaseScenarioOfGDPUnemploymentRateAndHPIForTheMainGeographiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_PensionPlanAssets" abstract="false" name="PensionPlanAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_PlanAssetsBreakdownTableTextBlock" abstract="false" name="PlanAssetsBreakdownTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_FinancialInstrumentsAxis" abstract="true" name="FinancialInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" 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_ObservableInputs" abstract="false" name="ObservableInputs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems" abstract="true" name="ChangesInImpairedFinancialAssetsWrittenOffFromTheBalanceSheetLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleChangesInTheYearLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" abstract="false" name="ImpairmentOrReversalOfImpairmentOnOtherNonFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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_CustomerDepositsHeldForTrading" abstract="false" name="CustomerDepositsHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_BrokenDownEncumberedAndUnencumberedAssetsDomain" abstract="true" name="BrokenDownEncumberedAndUnencumberedAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_UnobservableInputsTableTextBlock" abstract="false" name="UnobservableInputsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_InvestmentOtherSettlementsRelatedToInvestingActivities" abstract="false" name="InvestmentOtherSettlementsRelatedToInvestingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" abstract="false" name="IncreaseDecreaseThroughCompaniesInTheProcessOfSaleGoodwill" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ImpairedSecuredLoansRisksLineItems" abstract="true" name="ImpairedSecuredLoansRisksLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_A2026Member" abstract="true" name="A2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-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_DerivativesHedgeAccountingAxis" abstract="true" name="DerivativesHedgeAccountingAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" 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_BySubordinationMember" abstract="true" name="BySubordinationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_A11To39Member" abstract="true" name="A11To39Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock" abstract="false" name="DisclosureOfPurchaseAndSaleCommitmentsAndFuturePaymentObligationsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_IncomeByOperatingSegmentTable" abstract="true" name="IncomeByOperatingSegmentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_DepositsFromCreditInstitutions" abstract="false" name="DepositsFromCreditInstitutions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TheoreticalSharesAllocated" abstract="false" name="TheoreticalSharesAllocated" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
<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_IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" abstract="false" name="IncreaseImpairedFinancialAssetsWrittenOffFromTheBalanceSheet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ActuarialAssumptionsDomain" abstract="true" name="ActuarialAssumptionsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock" abstract="false" name="DisclosureOfPostEmploymentAndOtherEmployeeBenefitCommitmentsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_RemunerationForNonExecutiveDirectorsAxis" abstract="true" name="RemunerationForNonExecutiveDirectorsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock" abstract="false" name="ProvisionsForPensionsAndSimilarObligationsChangesOverTheYearTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_NSFRMainLMUTableTextBlock" abstract="false" name="NSFRMainLMUTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_CapitalInstrumentsAndSharePremiumAccountedAsTier2Member" abstract="true" name="CapitalInstrumentsAndSharePremiumAccountedAsTier2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DepositsFromCentralBanksHeldForTrading" abstract="false" name="DepositsFromCentralBanksHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DebtCertificatesAxis" abstract="true" name="DebtCertificatesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_SusanaRodriguezVidarteMember" abstract="true" name="SusanaRodriguezVidarteMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfSignificantAccountingPoliciesAbstract" abstract="true" name="DisclosureOfSignificantAccountingPoliciesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_NonConvertibleBondsAndDebenturesMember" abstract="true" name="NonConvertibleBondsAndDebenturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_TotalNetDefinedBenefitLiabilityAssets" abstract="false" name="TotalNetDefinedBenefitLiabilityAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_PortfolioDomain" abstract="true" name="PortfolioDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock" abstract="false" name="ChangesInImpairedFinancialAssetsAndGuaranteesGivenTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_OtherFinancialLiabilitiesLineItems" abstract="true" name="OtherFinancialLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock" abstract="false" name="DerivativesHedgeAccountingAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_MoreThan2121Member" abstract="true" name="MoreThan2121Member" 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_SecuredPensionsTaxAssets" abstract="false" name="SecuredPensionsTaxAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_ProbabilityOfDefaultOfLoansAndAdvancesToCustomersAndContingentRiskAndCommitmentsTableTextBlock" abstract="false" name="ProbabilityOfDefaultOfLoansAndAdvancesToCustomersAndContingentRiskAndCommitmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_LtSCDByLMUTableTextBlock" abstract="false" name="LtSCDByLMUTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_OtherNonControllingInterestItemsMember" abstract="true" name="OtherNonControllingInterestItemsMember" 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_InterestRateRiskHedgesCashFlowMember" abstract="true" name="InterestRateRiskHedgesCashFlowMember" 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_InsuranceAndReinsuranceContractsTransferredTofromAThirdParty" abstract="false" name="InsuranceAndReinsuranceContractsTransferredTofromAThirdParty" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_CustomerDepositsTableTextBlock" abstract="false" name="CustomerDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-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_EarlyRedemptionDomain" abstract="true" name="EarlyRedemptionDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_MemorandumOtherCommitmentsGiven" abstract="false" name="MemorandumOtherCommitmentsGiven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_GroupInsuranceMember" abstract="true" name="GroupInsuranceMember" 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_DisclosureOfTangibleAssetsTextBlock" abstract="false" name="DisclosureOfTangibleAssetsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" abstract="false" name="AccountingPolicyForPropertyPlantAndEquipmentPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_FairValueHedgesIneffectivenesMember" abstract="true" name="FairValueHedgesIneffectivenesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain" abstract="true" name="HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock" abstract="false" name="LiaiblitiesUnderInsuranceAndReinsuranceContractsByTypeOfProductTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member" abstract="true" name="CapitalInstrumentsAndSharePremiumAccountsClassifiedAsLiabilitiesAndQualifyingAsAdditionalTier1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_TangibleAssetsBySpanishAndForeignSubsidiariesLineItems" abstract="true" name="TangibleAssetsBySpanishAndForeignSubsidiariesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_PlanAssetsBreakdownTable" abstract="true" name="PlanAssetsBreakdownTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable" abstract="true" name="ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_ProfitOrLossAttributableToOwnersOfParentMember" abstract="true" name="ProfitOrLossAttributableToOwnersOfParentMember" 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_SubordinatedCertificates" abstract="false" name="SubordinatedCertificates" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_PortfolioFairValueHedgesOfInterestRateRiskMember" abstract="true" name="PortfolioFairValueHedgesOfInterestRateRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract" abstract="true" name="ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethodAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_BasicAndDilutedEarningsPerShareLineItems" abstract="true" name="BasicAndDilutedEarningsPerShareLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_ContributionsFromMergerTransactions" abstract="false" name="ContributionsFromMergerTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" abstract="true" name="TypesOfLiabilitiesUnderInsuranceAndReinsuranceContractsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_MaximumCreditRiskExposureToCustomersLineItems" abstract="true" name="MaximumCreditRiskExposureToCustomersLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_AmountOfCapitalCC1LineItems" abstract="true" name="AmountOfCapitalCC1LineItems" 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_ReclassificationOfOtherGainsLossesToHeldForTrading" abstract="false" name="ReclassificationOfOtherGainsLossesToHeldForTrading" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ImpairedSecuredLoansRisksTable" abstract="true" name="ImpairedSecuredLoansRisksTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" abstract="false" name="MemorandumItemSubordinatedLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_HedgingDerivativesMember" abstract="true" name="HedgingDerivativesMember" 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_PeriodTimeDomain" abstract="true" name="PeriodTimeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_RestOtherAssets" abstract="false" name="RestOtherAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TangibleAssetsBySpanishAndForeignSubsidiariesTable" abstract="true" name="TangibleAssetsBySpanishAndForeignSubsidiariesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_June23Member" abstract="true" name="June23Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_LoansAndAdvancesToCreditInstitutionsHeldForTrading" abstract="false" name="LoansAndAdvancesToCreditInstitutionsHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FinancialLiabilitiesLevel3Total" abstract="false" name="FinancialLiabilitiesLevel3Total" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_LoansAndReceivablesBreakdownByCounterAndProductTable" abstract="true" name="LoansAndReceivablesBreakdownByCounterAndProductTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_SharesOfBBVAAcceptedInPledgeLineItems" abstract="true" name="SharesOfBBVAAcceptedInPledgeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_TradingDerivativesHedgeAccountingMember" abstract="true" name="TradingDerivativesHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock" abstract="false" name="MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_GuaranteesReceivedLineItems" abstract="true" name="GuaranteesReceivedLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_FXDerivativesMember" abstract="true" name="FXDerivativesMember" 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_AnnualVariableRemunerationSeniorManagementTable" abstract="true" name="AnnualVariableRemunerationSeniorManagementTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_OtherAssetsAndLiabilitiesLineItems" abstract="true" name="OtherAssetsAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems" abstract="true" name="FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_RetainedEarningsAndOtherReservesTableTextBlock" abstract="false" name="RetainedEarningsAndOtherReservesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_CollateralPledgesReceivedTable" abstract="true" name="CollateralPledgesReceivedTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_TotalLoansAndAdvancesByProductsMember" abstract="true" name="TotalLoansAndAdvancesByProductsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems" abstract="true" name="CashCashBalancesAtCentralBanksAndOtherDemandDepositsLineItems" 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_CreditInstitutionsMember" abstract="true" name="CreditInstitutionsMember" 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_CreditExposureClassesOfFinancialInstrumentsDomain" abstract="true" name="CreditExposureClassesOfFinancialInstrumentsDomain" 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_PensionCommitmentsWithMembersOfSeniorManagementAxis" abstract="true" name="PensionCommitmentsWithMembersOfSeniorManagementAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossTableTextBlock" abstract="false" name="FinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_SourcesOfEncumbranceTableTextBlock" abstract="false" name="SourcesOfEncumbranceTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_EquityInstrumentsByCountryAxis" abstract="true" name="EquityInstrumentsByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_TreasuryStockLineItems" abstract="true" name="TreasuryStockLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_CarlosSalazarLomelnMember" abstract="true" name="CarlosSalazarLomelnMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock" abstract="false" name="DisclosureOfImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_FeeAndCommissionIncomeLineItems" abstract="true" name="FeeAndCommissionIncomeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock" abstract="false" name="AccountingPolicyForFeeAndCommissionIncomeAndExpensePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_TotalTransferredFinancialLiabilitiesMember" abstract="true" name="TotalTransferredFinancialLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfRiskManagementTextBlock" abstract="false" name="DisclosureOfRiskManagementTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_DefinedBenefitPlansEquityImpactMember" abstract="true" name="DefinedBenefitPlansEquityImpactMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_FairValueOfFinancialInstrumentsByLevelsActiveMarketTable" abstract="true" name="FairValueOfFinancialInstrumentsByLevelsActiveMarketTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_InterestIncomeByOriginLineItems" abstract="true" name="InterestIncomeByOriginLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_WorkInProgressMember" abstract="true" name="WorkInProgressMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_DiversificationEffectMember" abstract="true" name="DiversificationEffectMember" 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_FinancialInstrumentsLevel3ChangesInTheYearLineItems" abstract="true" name="FinancialInstrumentsLevel3ChangesInTheYearLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_DepositsFromCentralBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" abstract="false" name="DepositsFromCentralBanksAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" abstract="false" name="GainsLossesOnDerecognitionOfOtherFinancialAssetsAndLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_LoansAndAdvancesAtAmortizedCost" abstract="false" name="LoansAndAdvancesAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_MemorandumLoanCommitmentsGiven" abstract="false" name="MemorandumLoanCommitmentsGiven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems" abstract="true" name="RetainedEarningsBreakdownByCompanyOrCorporateGroupLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_TransactionsOnBehalfOfThirdPartiesAbstract" abstract="true" name="TransactionsOnBehalfOfThirdPartiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_InformationAboutUnobservableInputsDomain" abstract="true" name="InformationAboutUnobservableInputsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_NSFRMainLMULineItems" abstract="true" name="NSFRMainLMULineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_InterestRateAxis" abstract="true" name="InterestRateAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_PremiumReserveSimplifiedModelMember" abstract="true" name="PremiumReserveSimplifiedModelMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ImpairmentTangibleAssets" abstract="false" name="ImpairmentTangibleAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ImpairedFinancialAssetsAndGuaranteesGiven" abstract="false" name="ImpairedFinancialAssetsAndGuaranteesGiven" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_EquityInstrumentsAxis" abstract="true" name="EquityInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_JointVenturesAndAssociatesBreakdownByEntitiesDomain" abstract="true" name="JointVenturesAndAssociatesBreakdownByEntitiesDomain" 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_MemorandumFinancialGuaranteesGiven" abstract="false" name="MemorandumFinancialGuaranteesGiven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_MaturityOfFuturePaymentObligationsTable" abstract="true" name="MaturityOfFuturePaymentObligationsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_TangibleAssetsForOwnUse" abstract="false" name="TangibleAssetsForOwnUse" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_JointVenturesAndAssociatesBreakdownByEntitiesTable" abstract="true" name="JointVenturesAndAssociatesBreakdownByEntitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" 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_FinancialIncomeExpenseFromInsuranceContracts" abstract="false" name="FinancialIncomeExpenseFromInsuranceContracts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_OtherServicesMember" abstract="true" name="OtherServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable" abstract="true" name="ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" abstract="false" name="FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_OtherEffectsPostEmploymentCommitmentsMember" abstract="true" name="OtherEffectsPostEmploymentCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_TransfersAndChangesOfConsolidationMethod" abstract="false" name="TransfersAndChangesOfConsolidationMethod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DisclosureOfCapitalBaseAndCapitalManagementTextBlock" abstract="false" name="DisclosureOfCapitalBaseAndCapitalManagementTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_DefinedBenefitsTable" abstract="true" name="DefinedBenefitsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_ConnieHedegaardMember" abstract="true" name="ConnieHedegaardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AnnualVariableRemunerationBBVADirectorsInShares" abstract="false" name="AnnualVariableRemunerationBBVADirectorsInShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
<xs:element id="bbva_FinancialInstrumentsLevel3Axis" abstract="true" name="FinancialInstrumentsLevel3Axis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_EquityRiskMember" abstract="true" name="EquityRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfCapitalTextBlock" abstract="false" name="DisclosureOfCapitalTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_DeferredAnnualVariableRemunerationLineItems" abstract="true" name="DeferredAnnualVariableRemunerationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock" abstract="false" name="DisclosureOfNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock" abstract="false" name="ProvisionsForTaxesLegalContingenciesAndOtherProvisionsChangesOverTheYearTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_Tier1" abstract="false" name="Tier1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_BasicPointLineItems" abstract="true" name="BasicPointLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ReverseRepurchaseAgreementAxis" abstract="true" name="ReverseRepurchaseAgreementAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_VenezuelaBolivarMember" abstract="true" name="VenezuelaBolivarMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-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_CoveredBonds" abstract="false" name="CoveredBonds" nillable="true" xbrli:periodType="instant" 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_FeesForAuditsConductedTableTextBlock" abstract="false" name="FeesForAuditsConductedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_YearsDomain" abstract="true" name="YearsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_ActuarialAssumptionsPercentageTable" abstract="true" name="ActuarialAssumptionsPercentageTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems" abstract="true" name="DefinedBenefitLiabilitiesOrAssetsOnTheConsolidatedBalanceSheetLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember" abstract="true" name="CommonEquityTier1CET1BeforeOterRegulatoryAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-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_CollectionsFromFinancingActivities" abstract="false" name="CollectionsFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DividendIncomeBreakdownByHeadlineLineItems" abstract="true" name="DividendIncomeBreakdownByHeadlineLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_DeferredAnnualVariableRemunerationSeniorManagementInShares" abstract="false" name="DeferredAnnualVariableRemunerationSeniorManagementInShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
<xs:element id="bbva_Jan30Member" abstract="true" name="Jan30Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_NonTradableAssetsEligibleForCentralBanksMember" abstract="true" name="NonTradableAssetsEligibleForCentralBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_LevelTransfersLineItems" abstract="true" name="LevelTransfersLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_PortfolioCashFlowHedgesOfInterestRateRiskMember" abstract="true" name="PortfolioCashFlowHedgesOfInterestRateRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ShareholdersEquity" abstract="false" name="ShareholdersEquity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_LiabilitiesForRemainingCoverageWithLossComponentMember" abstract="true" name="LiabilitiesForRemainingCoverageWithLossComponentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DeferredAVRAxis" abstract="true" name="DeferredAVRAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_SecurilizationBondsMember" abstract="true" name="SecurilizationBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_LiquidityAvailableByInstrumentTable" abstract="true" name="LiquidityAvailableByInstrumentTable" 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_SubordinatedLiabilitiesAtAmortizedCostLineItems" abstract="true" name="SubordinatedLiabilitiesAtAmortizedCostLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_DebtSecuritiesAvailableForSaleDomain" abstract="true" name="DebtSecuritiesAvailableForSaleDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DebtSecuritiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" abstract="false" name="DebtSecuritiesAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_IRDerivativesMember" abstract="true" name="IRDerivativesMember" 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_FromChangesInFinancialAssumptionsMember" abstract="true" name="FromChangesInFinancialAssumptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_CategoriesOfRelatedPartiesDomain" abstract="true" name="CategoriesOfRelatedPartiesDomain" 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_RightToUseInvestmentPropertiesMember" abstract="true" name="RightToUseInvestmentPropertiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_RetirementsTangibleAssetsMember" abstract="true" name="RetirementsTangibleAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ConsolidatedIncomeStatementImpactLineItems" abstract="true" name="ConsolidatedIncomeStatementImpactLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_ShortPositionsMember" abstract="true" name="ShortPositionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ATOMBankPLCMember" abstract="true" name="ATOMBankPLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_Jun33Member" abstract="true" name="Jun33Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_CountryAxis" abstract="true" name="CountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" abstract="true" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_AccountingPolicyForFinancialGuaranteesTextBlock" abstract="false" name="AccountingPolicyForFinancialGuaranteesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_LoanCommitmentsGivenMember" abstract="true" name="LoanCommitmentsGivenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AccountingPolicyForBusinessCombinationsPolicyTextBlock" abstract="false" name="AccountingPolicyForBusinessCombinationsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock" abstract="false" name="FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTable" abstract="true" name="SensitivityToOnePercentOfTheAverageRateInTheMainCurrenciesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_TypeOfCustomersAxis" abstract="true" name="TypeOfCustomersAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_HedgedItemsInFairValueHedgesTableTextBlock" abstract="false" name="HedgedItemsInFairValueHedgesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_TreasuryStockTableTextBlock" abstract="false" name="TreasuryStockTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_DisclosureOfShareholderRemunerationSystemTextBlock" abstract="false" name="DisclosureOfShareholderRemunerationSystemTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock" abstract="false" name="DisclosureOfFinancialAssetsAndLiabilitiesHeldForTradingTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_CapitalBaseAndCapitalManagementAbstract" abstract="true" name="CapitalBaseAndCapitalManagementAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_TotalLoanCommitmentsAndFinancialGuarantees" abstract="false" name="TotalLoanCommitmentsAndFinancialGuarantees" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_AccumulatedOtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLossFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" abstract="false" name="AccumulatedOtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLossFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_OtherFinancialLiabilitiesTableTextBlock" abstract="false" name="OtherFinancialLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_OtherChangesInMillionsOfEuros" abstract="false" name="OtherChangesInMillionsOfEuros" nillable="true" xbrli:periodType="duration" 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_TangibleAssetsMember" abstract="true" name="TangibleAssetsMember" 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_PlanAssets" abstract="false" name="PlanAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TransfersOfTangibleAssetsMember" abstract="true" name="TransfersOfTangibleAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_LoanCommitmentsGivenFeeAndCommissionIncome" abstract="false" name="LoanCommitmentsGivenFeeAndCommissionIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_OtherOperatingExpense" abstract="false" name="OtherOperatingExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_BillsReceivables" abstract="false" name="BillsReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ProvisionsCommitmentsAndGuaranteesGiven" abstract="false" name="ProvisionsCommitmentsAndGuaranteesGiven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_EligibleCapitalResourcesTableTextBlock" abstract="false" name="EligibleCapitalResourcesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_Feb23Member" abstract="true" name="Feb23Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_EquityImpactAxis" abstract="true" name="EquityImpactAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" 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_SensitivityAnalysisLineItems" abstract="true" name="SensitivityAnalysisLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_EstimatedBenefitPayments" abstract="false" name="EstimatedBenefitPayments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="OtherReclassificationsDebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_SubjectTo12MonthECLMember" abstract="true" name="SubjectTo12MonthECLMember" 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_OtherRiskHedgeCashFlowMember" abstract="true" name="OtherRiskHedgeCashFlowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" abstract="false" name="DebtSecuritiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_ChangesInOtherIntangibleAssetsTable" abstract="true" name="ChangesInOtherIntangibleAssetsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_AdjustedNumberOfSharesBasicEarningsPerShareC" abstract="false" name="AdjustedNumberOfSharesBasicEarningsPerShareC" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ChangesInGainsLossesTable" abstract="true" name="ChangesInGainsLossesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_GeographicalImpactOfTheStressTestAxis" abstract="true" name="GeographicalImpactOfTheStressTestAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_TransfersFromStage2ToStage1" abstract="false" name="TransfersFromStage2ToStage1" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_CreditRiskHedgeCashFlowMember" abstract="true" name="CreditRiskHedgeCashFlowMember" 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_AcquisitionsAndCapitalIncreases" abstract="false" name="AcquisitionsAndCapitalIncreases" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DateOfIssueDomain" abstract="true" name="DateOfIssueDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_LCRMainLMUTableTextBlock" abstract="false" name="LCRMainLMUTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_NotionalMaturitiesOfTheHedgingInstrumentsAxis" abstract="true" name="NotionalMaturitiesOfTheHedgingInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_TransferredFinancialLiabilitiesAxis" abstract="true" name="TransferredFinancialLiabilitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_OtherSectorsMember" abstract="true" name="OtherSectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock" abstract="false" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeDebtSecuritiesByRatingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_ValuationTechniquesUsedInFairValueMeasurementDomain" abstract="true" name="ValuationTechniquesUsedInFairValueMeasurementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_IncurredClaimsAndOtherExpensesMember" abstract="true" name="IncurredClaimsAndOtherExpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AnnualVariableRemunerationTable" abstract="true" name="AnnualVariableRemunerationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_DisclosureOfAccumulatedOtherComprehensiveIncomeTextBlock" abstract="false" name="DisclosureOfAccumulatedOtherComprehensiveIncomeTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable" abstract="true" name="LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_AcquisitionOfSubsidiariesInTheYearMember" abstract="true" name="AcquisitionOfSubsidiariesInTheYearMember" 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_ValueOfOtherGuaranteesMember" abstract="true" name="ValueOfOtherGuaranteesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain" abstract="true" name="GainsOrLossesOnDerivativesBreakdownByFinancialInstrumentClassesOfFinancialInstrumentsDomain" 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_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatWillNotBeReclassifiedToProfitOrLoss" abstract="false" name="ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatWillNotBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DeferredShareRemunerationSystemAxis" abstract="true" name="DeferredShareRemunerationSystemAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_ResidualMaturitiesInstrumentsDomain" abstract="true" name="ResidualMaturitiesInstrumentsDomain" 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_LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems" abstract="true" name="LoansAndAdvancesMaturingInMoreThanOneYearByInterestRateLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_SeniorTranche1" abstract="false" name="SeniorTranche1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems" abstract="true" name="ChangesInGrossAccountingBalancesAndAllowancesOfLoansAndAdvancesAtAmortizedCostLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" abstract="false" name="DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_BreakdownByTypeOfLifeInsuranceAxis" abstract="true" name="BreakdownByTypeOfLifeInsuranceAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_OtherLongTermEmployeesBenefits" abstract="false" name="OtherLongTermEmployeesBenefits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_Aug23Member" abstract="true" name="Aug23Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_TaxRecognizedInTotalEquityDomain" abstract="true" name="TaxRecognizedInTotalEquityDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_OtherIntangibleAssetsAxis" abstract="true" name="OtherIntangibleAssetsAxis" 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_InsuranceAndPensionAndInvestmentFundManagingCompaniesMember" abstract="true" name="InsuranceAndPensionAndInvestmentFundManagingCompaniesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock" abstract="false" name="FinancialAssetsAndLiabilitiesHeldForTradingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_ContributionToGuaranteedBanksDepositsFunds" abstract="false" name="ContributionToGuaranteedBanksDepositsFunds" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock" abstract="false" name="ImpairedLoansAndAdvancesAtAmortizedCostCoveredByCollateralTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_PensionsMember" abstract="true" name="PensionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_AccountingBalancesDomain" abstract="true" name="AccountingBalancesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_LtSCDByLMUAxis" abstract="true" name="LtSCDByLMUAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_MainInputsUsedInLevels23Domain" abstract="true" name="MainInputsUsedInLevels23Domain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DesarrolloMetropolitanosDelSurSLMember" abstract="true" name="DesarrolloMetropolitanosDelSurSLMember" 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_CorrelationDefault" abstract="false" name="CorrelationDefault" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<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_CounterpartiesImpairedSecuredLoansAxis" abstract="true" name="CounterpartiesImpairedSecuredLoansAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_RateOfSalaryIncreaseSensitivityAnalysisMember" abstract="true" name="RateOfSalaryIncreaseSensitivityAnalysisMember" 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_LoansAndAdvancesToCentralBanksAtAmortisedCost" abstract="false" name="LoansAndAdvancesToCentralBanksAtAmortisedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock" abstract="false" name="TangibleAssetsBySpanishAndForeignSubsidiariesNetAssetsValuesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable" abstract="true" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesAndExchangeDifferencesBreakdownByHeadingOnTheBalanceSheetTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" abstract="false" name="FinancialInstrumentsGrossAmountNotOffsetInTheConsolidatedBalanceSheets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_OtherPaymentsRelatingToFinancingActivities" abstract="false" name="OtherPaymentsRelatingToFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_LoansAndReceivablesLineItems" abstract="true" name="LoansAndReceivablesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_DateOfIssueAxis" abstract="true" name="DateOfIssueAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_EquityImpactLineItems" abstract="true" name="EquityImpactLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_SensitivityToInterestRateAndCreditSpreadAnalysisTableTextBlock" abstract="false" name="SensitivityToInterestRateAndCreditSpreadAnalysisTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_JaimeCaruanaLacorteMember" abstract="true" name="JaimeCaruanaLacorteMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_SecuritizedLoansLineItems" abstract="true" name="SecuritizedLoansLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_DepositsFromDebtCertificatesTableTextBlock" abstract="false" name="DepositsFromDebtCertificatesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_HeadingsOfAssetsAxis" abstract="true" name="HeadingsOfAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_AccommodationAndFoodServiceActivitiesMember" abstract="true" name="AccommodationAndFoodServiceActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_A2028Member" abstract="true" name="A2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock" abstract="false" name="FinancialInstrumentsLevel3SensitivityAnalysisTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" abstract="false" name="ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets" abstract="false" name="ImpairmentOrReversalOfImpairmentOnNonFinancialTangibleAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis" abstract="true" name="FinancialAssetsAtFairValueBreakdownByTypeOfAssetAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_AccountingPolicyForIncomeTaxPolicyTextBlock" abstract="false" name="AccountingPolicyForIncomeTaxPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_BBVAAARatingMember" abstract="true" name="BBVAAARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_EarlyRetirementExpense" abstract="false" name="EarlyRetirementExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TheoreticalSharesAccumulatedAsOfDecember31" abstract="false" name="TheoreticalSharesAccumulatedAsOfDecember31" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
<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_TotalLoansAndAdvancesMaturingInMoreThanOneYear" abstract="false" name="TotalLoansAndAdvancesMaturingInMoreThanOneYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_MedicalBenefitsCommitmentsAxis" abstract="true" name="MedicalBenefitsCommitmentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_A2022Member" abstract="true" name="A2022Member" 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_FeesForAuditsConductedLineItems" abstract="true" name="FeesForAuditsConductedLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale" abstract="false" name="ValuationGainsLossesTakenToEquityNonCurrentAssetsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FairValueOfFinancialInstrumentsAbstract" abstract="true" name="FairValueOfFinancialInstrumentsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_NationalCompanySharesMember" abstract="true" name="NationalCompanySharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_MedicalCostTrendRateSensitivityAnalysisMember" abstract="true" name="MedicalCostTrendRateSensitivityAnalysisMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_CreditSpreadInterestRateYieldMember" abstract="true" name="CreditSpreadInterestRateYieldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_BaseScenarioMember" abstract="true" name="BaseScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_ProvisionsForTaxesLegalContingentsAndOtherProvisions" abstract="false" name="ProvisionsForTaxesLegalContingentsAndOtherProvisions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ActuarialAssumptionsLineItems" abstract="true" name="ActuarialAssumptionsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_AT1" abstract="false" name="AT1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" abstract="true" name="MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_LoansAndAdvancesHeldForTrading" abstract="false" name="LoansAndAdvancesHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities" abstract="false" name="NetIncreaseDecreaseInOperatingLiabilitiesFromOperatingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DepositsFromCreditInstitutionsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" abstract="false" name="DepositsFromCreditInstitutionsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_HPI" abstract="false" name="HPI" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bbva_ReconciliationOfChangesInGoodwillTableTextBlock" abstract="false" name="ReconciliationOfChangesInGoodwillTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_DepreciationAndAmortisationExasfpenseAbstract" abstract="true" name="DepreciationAndAmortisationExasfpenseAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_TaxAssetsAndLiabilitiesLineItems" abstract="true" name="TaxAssetsAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialInstrumentsEntrustedByThirdParties" abstract="false" name="FinancialInstrumentsEntrustedByThirdParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_SeniorTranche2" abstract="false" name="SeniorTranche2" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ItemsThatMayBeReclassifiedToProfitOrLoss" abstract="false" name="ItemsThatMayBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_ContributionsByPlanParticipantsMember" abstract="true" name="ContributionsByPlanParticipantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock" abstract="false" name="AccountingPolicyForTaxesOtherThanIncomeTaxPolicyTextBlock" 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_NetLiabilityAssetChangesOfTheYear" abstract="false" name="NetLiabilityAssetChangesOfTheYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TreasurySharesAbstract" abstract="true" name="TreasurySharesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ForeignExchangeAndGoldRiskMember" abstract="true" name="ForeignExchangeAndGoldRiskMember" 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_TangibleAssetsByGroupingSubsidiariesAxis" abstract="true" name="TangibleAssetsByGroupingSubsidiariesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisHypothesisResultAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" 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_QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" abstract="true" name="QualifyingTier2CapitalIncludedInConsolidatedT2CapitalIssuedBySubsidiariesAndHeldByThirdPartiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems" abstract="true" name="DisclosureOfProfitOrLossFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_DisposalOfEntitiesInTheYearMember" abstract="true" name="DisposalOfEntitiesInTheYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_PercentageOfImpairmentLossRecognisedForLoansAndAdvances" abstract="false" name="PercentageOfImpairmentLossRecognisedForLoansAndAdvances" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bbva_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems" abstract="true" name="NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_SubtotalAssetsByOperatingSegmentsMember" abstract="true" name="SubtotalAssetsByOperatingSegmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_RateOfPensionIncreaseSensitivityAnalysisMember" abstract="true" name="RateOfPensionIncreaseSensitivityAnalysisMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities" abstract="false" name="NetIncreaseDecreaseInOperatingAssetsFromOperatingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock" abstract="false" name="DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_OtherDeductionsAndFiltersMember" abstract="true" name="OtherDeductionsAndFiltersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_WaterSupplyMember" abstract="true" name="WaterSupplyMember" 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_PostEmploymentCommitmentsLineItems" abstract="true" name="PostEmploymentCommitmentsLineItems" 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_BySecureLoansMember" abstract="true" name="BySecureLoansMember" 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"/>
<xs:element id="bbva_PensionCommitmentsWithMembersOfSeniorManagementDomain" abstract="true" name="PensionCommitmentsWithMembersOfSeniorManagementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock" abstract="false" name="FinancialInstrumentsLevel3ChangesInTheYearTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ServiciosElectronicosGlobalesSADeCVMember" abstract="true" name="ServiciosElectronicosGlobalesSADeCVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DerivativesOnBBVATreasurySharesInMillionsOfEuros" abstract="false" name="DerivativesOnBBVATreasurySharesInMillionsOfEuros" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FairValueRiskMember" abstract="true" name="FairValueRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DeferredAVRSeniorManagementAxis" abstract="true" name="DeferredAVRSeniorManagementAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_TypeOfScenarioAxis" abstract="true" name="TypeOfScenarioAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_ExecutiveDirectorsFundsAccumulated" abstract="false" name="ExecutiveDirectorsFundsAccumulated" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DemandAccounts" abstract="false" name="DemandAccounts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_MortalityTables" abstract="false" name="MortalityTables" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_DeferredShareRemunerationShareDomain" abstract="true" name="DeferredShareRemunerationShareDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_OtherTangibleAssetsLeasedOutUnderAnOperatingLease" abstract="false" name="OtherTangibleAssetsLeasedOutUnderAnOperatingLease" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_OutstandingSubordinatedDebtMember" abstract="true" name="OutstandingSubordinatedDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTable" abstract="true" name="WholesaleFinancingTransactionsCarriedOutByGroupEntitiesTable" 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_OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember" abstract="true" name="OfWhichDebtSecuritiesIssuedByBBVAInListedMarketsMember" 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_MaturityOfFuturePaymentObligationsLineItems" abstract="true" name="MaturityOfFuturePaymentObligationsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_NumberOfSharesOwnedByThirdParties" abstract="false" name="NumberOfSharesOwnedByThirdParties" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
<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_InterestExpenseForInsuranceActivity" abstract="false" name="InterestExpenseForInsuranceActivity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis" abstract="true" name="FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_DisclosureOfCommitmentsAndGuaranteesGivenTextBlock" abstract="false" name="DisclosureOfCommitmentsAndGuaranteesGivenTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_NetLiabilityAsset" abstract="false" name="NetLiabilityAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_AmountsRelatedToChangesInLiabilityForRemainingCoverageMember" abstract="true" name="AmountsRelatedToChangesInLiabilityForRemainingCoverageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" abstract="false" name="TotalRegulatoryAdjustmentsToAdditionalTier1EligibleCapitalResources" 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_AnnualVariableRemunerationSeniorManagementAxis" abstract="true" name="AnnualVariableRemunerationSeniorManagementAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_DisclosureOfImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesTextBlock" abstract="false" name="DisclosureOfImpairmentOrReversalOfImpairmentOfInvestmentsInJointVenturesAndAssociatesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember" abstract="true" name="OfWhichDebtSecuritiesIssuedByBBVAPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems" abstract="true" name="DisclosureOfImpairmentOrReversalOfImpairmentOnNonFinancialAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" abstract="false" name="ReclassificationOfFinancialAssetsFromFairValueThroughOtherComprehensiveIncomeToHeldForTrading" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_OtherFinancialLiabilitiesTable" abstract="true" name="OtherFinancialLiabilitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock" abstract="false" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeEquityInstrumentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_DisclosureOfTreasurySharesTextBlock" abstract="false" name="DisclosureOfTreasurySharesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_AccountingPolicyForTreasurySharesPolicyTextBlock" abstract="false" name="AccountingPolicyForTreasurySharesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_EquityInstrumentsIssuedOtherThanCapital" abstract="false" name="EquityInstrumentsIssuedOtherThanCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ImpairmentOfTangibleAssets" abstract="false" name="ImpairmentOfTangibleAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TreasurySharesTable" abstract="true" name="TreasurySharesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialAssetsLevel3SensitivityAnalysisHypothesisResultDomain" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisHypothesisResultDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_A1125FixedRateSeniorNotesDue2023Member" abstract="true" name="A1125FixedRateSeniorNotesDue2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_NetAmount" abstract="false" name="NetAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_MemorandumAccountsMember" abstract="true" name="MemorandumAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_JunSep28Member" abstract="true" name="JunSep28Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_Apr27Member" abstract="true" name="Apr27Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis" abstract="true" name="InterestRatesForeignExchangesAndOtherCoveredByFairValueHedgesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_LoansAndAdvancesMember" abstract="true" name="LoansAndAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock" abstract="false" name="AccountingPolicyForFunctionalCurrencyIncomeStatementPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_TypeOfEquityInstrumentAxis" abstract="true" name="TypeOfEquityInstrumentAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_TIIEDay132BasisPointsMember" abstract="true" name="TIIEDay132BasisPointsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfOtherOperatingIncomeLineItems" abstract="true" name="DisclosureOfOtherOperatingIncomeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_UnencumberedAssets" abstract="false" name="UnencumberedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ChangesInFairValueNotRecognizedInProfitAndLoss" abstract="false" name="ChangesInFairValueNotRecognizedInProfitAndLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_DebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="DebtSecuritiesAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DeferredAnnualVariableRemunerationSeniorManagementInCash" abstract="false" name="DeferredAnnualVariableRemunerationSeniorManagementInCash" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DeferredTaxAssetsAndLiabilitiesAxis" abstract="true" name="DeferredTaxAssetsAndLiabilitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_AgricultureForestyAndFishingMember" abstract="true" name="AgricultureForestyAndFishingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_InterimDividends" abstract="false" name="InterimDividends" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DisclosureOfOtherAssetsAndLiabilitiesTextBlock" abstract="false" name="DisclosureOfOtherAssetsAndLiabilitiesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_TechnologyAndSystems" abstract="false" name="TechnologyAndSystems" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems" abstract="true" name="DisclosureOfMaturityAnalysisForFinancialInstrumentsHeldForManagingLiquidityRiskLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_OrganizedMarketOptionsMember" abstract="true" name="OrganizedMarketOptionsMember" 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_RemunerationCommitteeMember" abstract="true" name="RemunerationCommitteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ConsolidatedStatementsOfCashFlowsAbstract" abstract="true" name="ConsolidatedStatementsOfCashFlowsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ExecutiveCommitteeMember" abstract="true" name="ExecutiveCommitteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DepreciationRatesForTangibleAssetsTableTextBlock" abstract="false" name="DepreciationRatesForTangibleAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_CustomerDepositsDesignatedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" abstract="false" name="CustomerDepositsDesignatedAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_ContributionToConsolidatedGroupTotalAssetsLineItems" abstract="true" name="ContributionToConsolidatedGroupTotalAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_SeniorNonPreferred" abstract="false" name="SeniorNonPreferred" nillable="true" xbrli:periodType="instant" 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_PercentageImpactOnNetEconomicValueCreditSpread" abstract="false" name="PercentageImpactOnNetEconomicValueCreditSpread" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_ExposureToLeverageRatio" abstract="false" name="ExposureToLeverageRatio" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_LCRMainLMUAxis" abstract="true" name="LCRMainLMUAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_OtherRiskMember" abstract="true" name="OtherRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_NotionalMaturitiesOfTheHedgingInstruments" abstract="false" name="NotionalMaturitiesOfTheHedgingInstruments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ElectricityGasSteamAndAirConditioningSupplyMember" abstract="true" name="ElectricityGasSteamAndAirConditioningSupplyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember" abstract="true" name="NonCashChangesInLiabilitiesFromForeignExchangeMovementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_FinancialInstrumentsDomain" abstract="true" name="FinancialInstrumentsDomain" 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_CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsUnderIFRS4LineItems" abstract="true" name="CashFlowsOfLiabilitiesUnderInsuranceAndReinsuranceContractsUnderIFRS4LineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" abstract="false" name="ChangesInGrossAccountingBalancesOfLoansAndAdvancesAtAmortizedCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_OtherServicesRenderedTableTextBlock" abstract="false" name="OtherServicesRenderedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_TreasuryStockAmortizationFromFinancingActivities" abstract="false" name="TreasuryStockAmortizationFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_GeographicalImpactOfTheStressTestDomain" abstract="true" name="GeographicalImpactOfTheStressTestDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis" abstract="true" name="DebtSecuritiesAtFairValueThoughOtherComprehensiveIncomeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_TypeOfRiskProductOrMarketOfDerivativesAxis" abstract="true" name="TypeOfRiskProductOrMarketOfDerivativesAxis" 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_LoansAndAdvancesToCentralBanksHeldForTrading" abstract="false" name="LoansAndAdvancesToCentralBanksHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_LoansAndAdvancesToCentralBanksMember" abstract="true" name="LoansAndAdvancesToCentralBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable" abstract="true" name="CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_TotalMinimumEquityRequiredEligibleCapitalResources" abstract="false" name="TotalMinimumEquityRequiredEligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_DepositsHeldForTrading" abstract="false" name="DepositsHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TimeDepostisAndOtherMember" abstract="true" name="TimeDepostisAndOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_MaximumCreditRiskExposureAxis" abstract="true" name="MaximumCreditRiskExposureAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_NetExchangeDifferencesWrittenOff" abstract="false" name="NetExchangeDifferencesWrittenOff" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_RedsysServiciosDeProcesamientoSLMember" abstract="true" name="RedsysServiciosDeProcesamientoSLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable" abstract="true" name="ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_InvestmentsInListedMarketsTableTextBlock" abstract="false" name="InvestmentsInListedMarketsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_AmountOfCapitalCC1Axis" abstract="true" name="AmountOfCapitalCC1Axis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" 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_ComponentsOfEquityTreasuryStockLineItems" abstract="true" name="ComponentsOfEquityTreasuryStockLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_DecreaseDebtForgiveness" abstract="false" name="DecreaseDebtForgiveness" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_EquityDerivativesMember" abstract="true" name="EquityDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AccountingPolicyForTerminationBenefitsPolicyTextBlock" abstract="false" name="AccountingPolicyForTerminationBenefitsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_DebtCertificatesDomain" abstract="true" name="DebtCertificatesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_OfWhichInterestRateCashFlowHedgesMember" abstract="true" name="OfWhichInterestRateCashFlowHedgesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AnnualVariableRemunerationSeniorManagementInCash" abstract="false" name="AnnualVariableRemunerationSeniorManagementInCash" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TreasurySharesChangesOverTheYearLineItems" abstract="true" name="TreasurySharesChangesOverTheYearLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_SeniorManagementTotalAnnualFixedRemuneration" abstract="false" name="SeniorManagementTotalAnnualFixedRemuneration" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_OfWhichLossAllowancesOfDebtSecurities" abstract="false" name="OfWhichLossAllowancesOfDebtSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_EstimatedBenefitPaymentsTableTextBlock" abstract="false" name="EstimatedBenefitPaymentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_IssuedInForeignCurrencyMember" abstract="true" name="IssuedInForeignCurrencyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_InstrumentsCoveredByFairValueHedgesDomain" abstract="true" name="InstrumentsCoveredByFairValueHedgesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_LoansAndCreditsToRelatedParties" abstract="false" name="LoansAndCreditsToRelatedParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_Stage2Member" abstract="true" name="Stage2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_AverageSellingPriceInEuros" abstract="false" name="AverageSellingPriceInEuros" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_InformationAndCommunicationsMember" abstract="true" name="InformationAndCommunicationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable" abstract="true" name="FairValueOfFinancialInstrumentsAtAmortizedCostByLevelsTable" 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_BBVASegurosSAMember" abstract="true" name="BBVASegurosSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DebtCertificatesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" abstract="false" name="DebtCertificatesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems" abstract="true" name="DisclosureOfTangibleAssetsBreakdownByTypeOfAssetLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_OfWhichHyperinflationEffectFromOperatingActivities" abstract="false" name="OfWhichHyperinflationEffectFromOperatingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_IssuedByCentralBanksMember" abstract="true" name="IssuedByCentralBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems" abstract="true" name="DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock" abstract="false" name="LoansAndAdvancesMaturingInMoreThanOneYearByFixedInterestRateAndFloatingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_ConceptDomain" abstract="true" name="ConceptDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ProvisionsBreakdownByConceptsTableTextBlock" abstract="false" name="ProvisionsBreakdownByConceptsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_OptionModelsOnFXUnderlyingsMember" abstract="true" name="OptionModelsOnFXUnderlyingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ExpectedLossVariationAsOfDecemberTableTextBlock" abstract="false" name="ExpectedLossVariationAsOfDecemberTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ComparablePricingMember" abstract="true" name="ComparablePricingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems" abstract="true" name="DisclosureOfInvestmentsInSubsidiariesJointVenturesAndAssociatesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_EquityImpactTableTextBlock" abstract="false" name="EquityImpactTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_DebtSecuritiesByRatingTableTextBlock" abstract="false" name="DebtSecuritiesByRatingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ForeignExchangeAndGoldRiskHedgeCashFlowMember" abstract="true" name="ForeignExchangeAndGoldRiskHedgeCashFlowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ShareholderRemunerationSystemAbstract" abstract="true" name="ShareholderRemunerationSystemAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ChangesInEstimatesThatAdjustTheContractualServiceMarginMember" abstract="true" name="ChangesInEstimatesThatAdjustTheContractualServiceMarginMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_PeriodOrMaturityOfOtherIssuedEquityInstruments" abstract="false" name="PeriodOrMaturityOfOtherIssuedEquityInstruments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_LiabilitiesUnderReinsuranceAndInsuranceContractsAxis" abstract="true" name="LiabilitiesUnderReinsuranceAndInsuranceContractsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_MostFavorableHypothesisMember" abstract="true" name="MostFavorableHypothesisMember" 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_PostEmploymentCommitmentsBreakdownByCountryAxis" abstract="true" name="PostEmploymentCommitmentsBreakdownByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialLiabilitiesAtFairValueByLevelsLineItems" abstract="true" name="FinancialLiabilitiesAtFairValueByLevelsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_CreditSpread" abstract="false" name="CreditSpread" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<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_A2027Member" abstract="true" name="A2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_FinancialInstrumentsLevel3Total" abstract="false" name="FinancialInstrumentsLevel3Total" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DepositsFromBanksByCountryAxis" abstract="true" name="DepositsFromBanksByCountryAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_OtherIntangibleAssetsTable" abstract="true" name="OtherIntangibleAssetsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_SoniaDulaMember" abstract="true" name="SoniaDulaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AccountingPolicyForProvisionsPolicyTextBlock" abstract="false" name="AccountingPolicyForProvisionsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock" abstract="false" name="DisclosureOfAssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_HeadingsOfAssetsDomain" abstract="true" name="HeadingsOfAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_FinancialAndInsuranceActivitiesMember" abstract="true" name="FinancialAndInsuranceActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_PostEmploymentCommitmentsBreakdownByCountryDomain" abstract="true" name="PostEmploymentCommitmentsBreakdownByCountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" abstract="false" name="GainsOrLossesOnFinancialAssetsAndLiabilitiesHeldForTradingNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_LtSCDByLMUTable" abstract="true" name="LtSCDByLMUTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_EffectOnChangesInForeignExchangeRatesMember" abstract="true" name="EffectOnChangesInForeignExchangeRatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_MaximumCreditRiskExposureTableTextBlock" abstract="false" name="MaximumCreditRiskExposureTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" abstract="false" name="GrossCarryingAmountLoansAndAdvancesAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_BrokenDownEncumberedAndUnencumberedAssetsAxis" abstract="true" name="BrokenDownEncumberedAndUnencumberedAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_TypesOfLoansAndReceivablesAxis" abstract="true" name="TypesOfLoansAndReceivablesAxis" 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_OfWhichBankAccountInBBVAPlanAssetsBreakdownMember" abstract="true" name="OfWhichBankAccountInBBVAPlanAssetsBreakdownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_NonFinancialCorporationsMember" abstract="true" name="NonFinancialCorporationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_A2017Member" abstract="true" name="A2017Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_May23Member" abstract="true" name="May23Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_OfWhichOTCOtherFinancialCorporationsMember" abstract="true" name="OfWhichOTCOtherFinancialCorporationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AverageLtSCDByLMU" abstract="false" name="AverageLtSCDByLMU" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bbva_FinancialInstrumentsAtFairValueBreakdownByLevelsAxis" abstract="true" name="FinancialInstrumentsAtFairValueBreakdownByLevelsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" abstract="false" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleThatWillNotBeReclassifiedToProfitOrLoss" 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_FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable" abstract="true" name="FinancialAssetsAndLiabilitiesBreakdownByFinancialInstrumentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_OtherFinancialLiabilitiesAtFairValue" abstract="false" name="OtherFinancialLiabilitiesAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_MaximumCreditRiskExposureByCountriesAxis" abstract="true" name="MaximumCreditRiskExposureByCountriesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock" abstract="false" name="AccountingPolicyForFunctionalCurrencyBalanceSheetPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock" abstract="false" name="FairValueOfFinancialAssetsByLevelsValuationTechniquesAndInputsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_VaRByRiskFactorTableTextBlock" abstract="false" name="VaRByRiskFactorTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ChangesThatRelateToServicesDomain" abstract="true" name="ChangesThatRelateToServicesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_BBVAAxialTechS.A.DeC.V.Member" abstract="true" name="BBVAAxialTechS.A.DeC.V.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_FinancialAssetsLevel3SensitivityAnalysisLineItems" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ForeignSubsidiariesMember" abstract="true" name="ForeignSubsidiariesMember" 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_BetaSignificantUnobservableInputs" abstract="false" name="BetaSignificantUnobservableInputs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<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_FinancialAssetsAtAmortizedCostInterestAndOtherIncome" abstract="false" name="FinancialAssetsAtAmortizedCostInterestAndOtherIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_TangibleAssets" abstract="false" name="TangibleAssets" 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_PostEmploymentCommitmentsBreakdownByDetailAxis" abstract="true" name="PostEmploymentCommitmentsBreakdownByDetailAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_PeriodTimeAxis" abstract="true" name="PeriodTimeAxis" 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"/>
<xs:element id="bbva_JointVenturesAndAssociatesChangesInTheYearLineItems" abstract="true" name="JointVenturesAndAssociatesChangesInTheYearLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_CashCashBalancesAtCentralBanksAndOtherDemandDepositsAbstract" abstract="true" name="CashCashBalancesAtCentralBanksAndOtherDemandDepositsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_DeferredAssetsMember" abstract="true" name="DeferredAssetsMember" 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_CoveredBonsMember" abstract="true" name="CoveredBonsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DebtSecuritiesAtAmortizedCostTable" abstract="true" name="DebtSecuritiesAtAmortizedCostTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_PresentValueMethodDiscountedFutureCashFlowsMember" abstract="true" name="PresentValueMethodDiscountedFutureCashFlowsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_FinancialInstrumentsLevel3Domain" abstract="true" name="FinancialInstrumentsLevel3Domain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_SensitivityAnalysisForMainAssumptionsMexicoTable" abstract="true" name="SensitivityAnalysisForMainAssumptionsMexicoTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_InsuranceContractsIssuedThatAreLiabilitiesRestated" abstract="false" name="InsuranceContractsIssuedThatAreLiabilitiesRestated" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_CustomerDepositsMember" abstract="true" name="CustomerDepositsMember" 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_IssuedInEurosMember" abstract="true" name="IssuedInEurosMember" 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_BBVASAMember" abstract="true" name="BBVASAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" abstract="false" name="FairValueChangesOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_BBVAGarantiMember" abstract="true" name="BBVAGarantiMember" 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_TotalCapitalTier1Tier2EligibleCapitalResources" abstract="false" name="TotalCapitalTier1Tier2EligibleCapitalResources" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DepositsFromBanksTableTextBlock" abstract="false" name="DepositsFromBanksTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_IntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationAbstract" abstract="true" name="IntroductionBasisForThePresentationOfTheConsolidatedFinancialStatementsInternalControlOfFinancialInformationAndOtherInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_ExecutiveDirectorsTable" abstract="true" name="ExecutiveDirectorsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_Jul27Member" abstract="true" name="Jul27Member" 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_OtherAssetsAndLiabilitiesTableTextBlock" abstract="false" name="OtherAssetsAndLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisPotentialImpactDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_SensitivityToOnePercentMainCurrencies" abstract="false" name="SensitivityToOnePercentMainCurrencies" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TransportAndStorageMember" abstract="true" name="TransportAndStorageMember" 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_OtherAdjustmentsAndDeductionsEligibleCapitalResources" abstract="false" name="OtherAdjustmentsAndDeductionsEligibleCapitalResources" nillable="true" xbrli:periodType="instant" 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_Black76Member" abstract="true" name="Black76Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_TaxEffectOfForeignTaxRatesReconciliationAxis" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_EncumberedAndUnencumberedAssetsLineItems" abstract="true" name="EncumberedAndUnencumberedAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ItemsThatWillNotBeReclassifiedToProfitOrLoss" abstract="false" name="ItemsThatWillNotBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ContractualServiceMarginReleaseMember" abstract="true" name="ContractualServiceMarginReleaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_TreasuryStockAcquisitionsFromFinancingActivities" abstract="false" name="TreasuryStockAcquisitionsFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_DisclosureOfDividendIncomeTextBlock" abstract="false" name="DisclosureOfDividendIncomeTextBlock" 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_TaxEffectOfForeignTaxRatesReconciliationDomain" abstract="true" name="TaxEffectOfForeignTaxRatesReconciliationDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_A4125Member" abstract="true" name="A4125Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_IssuanceOfOtherEquityInstruments" abstract="false" name="IssuanceOfOtherEquityInstruments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DisclosureOfAdministrationCostsTextBlock" abstract="false" name="DisclosureOfAdministrationCostsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_DeferredAnnualVariableRemunerationDomain" abstract="true" name="DeferredAnnualVariableRemunerationDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_EncumberedAndUnencumberedAssetsTable" abstract="true" name="EncumberedAndUnencumberedAssetsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock" abstract="false" name="NetDefinedBenefitLiabilityAssetOnTheConsolidatedBalanceSheetTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_LCRMainLMUTable" abstract="true" name="LCRMainLMUTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_ClassesOfFinancialInstrumentsCollateralReceivedAxis" abstract="true" name="ClassesOfFinancialInstrumentsCollateralReceivedAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_NetInterestIncomeAbstract" abstract="true" name="NetInterestIncomeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_Tier2SubordinatedCallableFixedToFixedRateNotesDue2034Member" abstract="true" name="Tier2SubordinatedCallableFixedToFixedRateNotesDue2034Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable" abstract="true" name="NonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleBreakdownByItemsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_BBVAARatingMember" abstract="true" name="BBVAARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis" abstract="true" name="DisclosureOfFinancialAssetsHeldForManagingLiquidityRiskLMUTypesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_VaRByRiskFactor" abstract="false" name="VaRByRiskFactor" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_MathematicalReservesForInsuranceProductsTableTextBlock" abstract="false" name="MathematicalReservesForInsuranceProductsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_InsuranceRevenueAndExpenseDomain" abstract="true" name="InsuranceRevenueAndExpenseDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" abstract="false" name="OtherAuditServicesOfBbvaSaOrItsCompaniesUnderControl" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract" abstract="true" name="HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_FinancialAssetsAtFairValueByLevelsTable" abstract="true" name="FinancialAssetsAtFairValueByLevelsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_AnaPeraltaMorenoMember" abstract="true" name="AnaPeraltaMorenoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_InvestmentInListedMarketsTable" abstract="true" name="InvestmentInListedMarketsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_JosMaldonadoRamosMember" abstract="true" name="JosMaldonadoRamosMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_MainMarginsAndProfitByOperatingSegmentsTableTextBlock" abstract="false" name="MainMarginsAndProfitByOperatingSegmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract" abstract="true" name="RemunerationAndOtherBenefitsReceivedByTheBoardOfDirectorsAndMembersOfTheBanksSeniorManagementAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock" abstract="false" name="NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_AmountOfReconciliation" abstract="false" name="AmountOfReconciliation" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_CountryDomain" abstract="true" name="CountryDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_PotentialImpactOnConsolidatedIncomeStatementMember" abstract="true" name="PotentialImpactOnConsolidatedIncomeStatementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_TaxRecognizedInTotalEquityLineItems" abstract="true" name="TaxRecognizedInTotalEquityLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems" abstract="true" name="DerivativesByTypeOfRiskByProductOrByTypeOfMarketLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_TotalGroupAssetsByOperatingSegmentsTableTextBlock" abstract="false" name="TotalGroupAssetsByOperatingSegmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_NumberOfTreasuryShares" abstract="false" name="NumberOfTreasuryShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
<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_Unemployment" abstract="false" name="Unemployment" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<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_LtSCDByLMUDomain" abstract="true" name="LtSCDByLMUDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfBBVAGroupTextBlock" abstract="false" name="DisclosureOfBBVAGroupTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems" abstract="true" name="EffectOfOffsettingForDerivativesAndSecuritiesOperationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ManufacturingMember" abstract="true" name="ManufacturingMember" 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_OperatingSegmentReportingAbstract" abstract="true" name="OperatingSegmentReportingAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_LoansAndAdvancesToCustomersHeldForTradingAssets" abstract="false" name="LoansAndAdvancesToCustomersHeldForTradingAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_WholesaleAndRetailTradeMember" abstract="true" name="WholesaleAndRetailTradeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ArtsEntertainmentAndRecreationMember" abstract="true" name="ArtsEntertainmentAndRecreationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_OtherCollectionsRelatedToInvestingActivities" abstract="false" name="OtherCollectionsRelatedToInvestingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TransferredFinancialAssetsAxis" abstract="true" name="TransferredFinancialAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_CorporacionGeneralFinancieraSAMember" abstract="true" name="CorporacionGeneralFinancieraSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract" abstract="true" name="AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" abstract="false" name="AssetsCollateralReceivedAndOwnDebtSecuritiesIssuedOtherThanCoveredBondsEncumbered" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_SensitivityAnalysisAxis" abstract="true" name="SensitivityAnalysisAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisPotentialImpactAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_InterestExpensesBenefitCommitments" abstract="false" name="InterestExpensesBenefitCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_MaturityOfFuturePaymentObligationsByLeases" abstract="false" name="MaturityOfFuturePaymentObligationsByLeases" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_RestrictedReservesBreakdownByConceptsTableTextBlock" abstract="false" name="RestrictedReservesBreakdownByConceptsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_TotalTransactionsOnBehalfOfThirdParties" abstract="false" name="TotalTransactionsOnBehalfOfThirdParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_ExecutiveDirectorsTableTextBlock" abstract="false" name="ExecutiveDirectorsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_NetIncreaseDecreaseInFinancialAssetsAtAmortizedCost" abstract="false" name="NetIncreaseDecreaseInFinancialAssetsAtAmortizedCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_OtherOperatingIncomeExpenseAbstract" abstract="true" name="OtherOperatingIncomeExpenseAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract" abstract="true" name="ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock" abstract="false" name="LiabilitiesUnderInsuranceAndReinsuranceContractsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_ValuationTechniqueSInLevels23Domain" abstract="true" name="ValuationTechniqueSInLevels23Domain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_EffectiveTaxRateTable" abstract="true" name="EffectiveTaxRateTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_CouponDomain" abstract="true" name="CouponDomain" 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_ChangesInLiabilitiesFromFinancingActivitiesAxis" abstract="true" name="ChangesInLiabilitiesFromFinancingActivitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_TransfersOtherMovementsAndExchageDifferences" abstract="false" name="TransfersOtherMovementsAndExchageDifferences" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" abstract="false" name="GrowthRateUsedToExtrapolateCashFlowProjectionsMexico" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bbva_NumberOfOtherChanges" abstract="false" name="NumberOfOtherChanges" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_DirectorsDomain" abstract="true" name="DirectorsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_OtherAssetsAccruals" abstract="false" name="OtherAssetsAccruals" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_LiabilitiesForRemainingCoverageAxis" abstract="true" name="LiabilitiesForRemainingCoverageAxis" 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_BBVAAAMinusRatingMember" abstract="true" name="BBVAAAMinusRatingMember" 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_MainInputsUsedInLevels23Axis" abstract="true" name="MainInputsUsedInLevels23Axis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_BBVAColombiaGroupMember" abstract="true" name="BBVAColombiaGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_Jun38Member" abstract="true" name="Jun38Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" abstract="false" name="FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedNorAvailableForEncumbrance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_RecoveryRate" abstract="false" name="RecoveryRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<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_BalanceAt31stDecemberOfEachYearTable" abstract="true" name="BalanceAt31stDecemberOfEachYearTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_AllocationOfEarningsTableTextBlock" abstract="false" name="AllocationOfEarningsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesTextBlock" abstract="false" name="DisclosureOfGainsOrLossesOnFinancialAssetsAndLiabilitiesHedgeAccountingAndExchangesDifferencesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_AccumulatedOtherComprehensiveIncomeTable" abstract="true" name="AccumulatedOtherComprehensiveIncomeTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain" abstract="true" name="FinancialLiabilitiesAtFairValueBreakdownByTypeOfLiabilitiesDomain" 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_OfWhichSecuredFinancialInstrumentsDomain" abstract="true" name="OfWhichSecuredFinancialInstrumentsDomain" 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_LoansAndAdvancesAndOtherMember" abstract="true" name="LoansAndAdvancesAndOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_FinancialAssetsAtFairValueByLevelsLineItems" abstract="true" name="FinancialAssetsAtFairValueByLevelsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialAssetsLevel3SensitivityAnalysisTable" abstract="true" name="FinancialAssetsLevel3SensitivityAnalysisTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis" abstract="true" name="DeferredAnnualVariableRemunerationDeferredPortionBBVADirectorsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_FeesForAuditsConductedAndOtherRelatedServicesLineItems" abstract="true" name="FeesForAuditsConductedAndOtherRelatedServicesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_MinorityInterestNonControllingInterestTable" abstract="true" name="MinorityInterestNonControllingInterestTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_EquityAndLiabilitiesLineItems" abstract="true" name="EquityAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" abstract="false" name="GainsLossesFromNonCurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_A3125Member" abstract="true" name="A3125Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_InterimDividendMember" abstract="true" name="InterimDividendMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_NetIncreaseDecreaseInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="NetIncreaseDecreaseInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_DecreaseTimeBarredDebtAndOtherCauses" abstract="false" name="DecreaseTimeBarredDebtAndOtherCauses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis" abstract="true" name="HedgingDerivativesBreakdownByTypeOfRiskAndTypeOfHedgeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_HoldingCompanyMember" abstract="true" name="HoldingCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AmericanDepositarySharesMember" abstract="true" name="AmericanDepositarySharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock" abstract="false" name="MemorandumItemSubordinatedLiabilitiesAtAmortizedCostTableTextBlock" 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_FairValueOfFinancialInstrumentsByLevelsTableTextBlock" abstract="false" name="FairValueOfFinancialInstrumentsByLevelsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_BBVAAllianzSegurosYReasegurosSAMember" abstract="true" name="BBVAAllianzSegurosYReasegurosSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_SolarisbankAGMember" abstract="true" name="SolarisbankAGMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfProvisionsOrReversalOfProvisionsTextBlock" abstract="false" name="DisclosureOfProvisionsOrReversalOfProvisionsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems" abstract="true" name="FinancialAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_PensionCommitmentsWithMembersOfSeniorManagementLineItems" abstract="true" name="PensionCommitmentsWithMembersOfSeniorManagementLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_TotalOfIntangibleAssetsMember" abstract="true" name="TotalOfIntangibleAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_A10240Member" abstract="true" name="A10240Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AssetsAndLiabilitiesLineItems" abstract="true" name="AssetsAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_OtherInsuranceRevenueMember" abstract="true" name="OtherInsuranceRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_ForeignExchangeAgreementsHedgeAccountingMember" abstract="true" name="ForeignExchangeAgreementsHedgeAccountingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AccountingPolicyForLeasesPolicyTextBlock" abstract="false" name="AccountingPolicyForLeasesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_TypeOfCustomersDomain" abstract="true" name="TypeOfCustomersDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DeferredAnnualVariableRemunerationBBVADirectorsInShares" abstract="false" name="DeferredAnnualVariableRemunerationBBVADirectorsInShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
<xs:element id="bbva_GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" abstract="false" name="GainsOrLossesOnDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock" abstract="false" name="DisclosureOfOtherContingentAssetsAndLiabilitiesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" abstract="false" name="ChangesInEquityOtherThanTotalIncomeOrExpenseRecognized" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsUnderIFRS4Axis" abstract="true" name="MaturityOfLiabilitiesUnderInsuranceAndReinsuranceContractsUnderIFRS4Axis" 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_ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" abstract="false" name="ConsolidationReservesAttributedToTheBankAndSubsidiaryConsolidatedCompanies" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_MaximumCreditRiskExposureTable" abstract="true" name="MaximumCreditRiskExposureTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_DisclosureOfProbabilityOfDefaultAxis" abstract="true" name="DisclosureOfProbabilityOfDefaultAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_AnnualVariableRemunerationAVRTableTextBlock" abstract="false" name="AnnualVariableRemunerationAVRTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" abstract="false" name="OtherFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_HedgedItemsInFairValueHedgesTable" abstract="true" name="HedgedItemsInFairValueHedgesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_FromChangesInDemographicAssumptionsMember" abstract="true" name="FromChangesInDemographicAssumptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable" abstract="true" name="BalancesArisingFromTransactionsWithEntitiesOfTheGroupTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" 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_ExchangeRateDifferencesFromInsuranceContracts" abstract="false" name="ExchangeRateDifferencesFromInsuranceContracts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_OtherLoansAndAdvancesMember" abstract="true" name="OtherLoansAndAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock" abstract="false" name="AccountingPolicyForInterestIncomeAndExpensePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_TreasurySharesTableTextBlock" abstract="false" name="TreasurySharesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_JanVerplanckeMember" abstract="true" name="JanVerplanckeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_AdditionsTransferToDiscontinuedOperations" abstract="false" name="AdditionsTransferToDiscontinuedOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_MedicalBenefitsCommitmentsLineItems" abstract="true" name="MedicalBenefitsCommitmentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialLiabilitiesHeldForTradingMember" abstract="true" name="FinancialLiabilitiesHeldForTradingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_MaximumExposureToCreditRiskLineItems" abstract="true" name="MaximumExposureToCreditRiskLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" abstract="false" name="AccumulatedImpairmentLoansAndAdvancesAtAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ClassesOfAssetsDomain" abstract="true" name="ClassesOfAssetsDomain" 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_EquityInstrumentsHeldForTrading" abstract="false" name="EquityInstrumentsHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_Checks" abstract="false" name="Checks" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FinancialAssetsAtFairValueBreakdownByDetailDomain" abstract="true" name="FinancialAssetsAtFairValueBreakdownByDetailDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-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_ShareOfProfitAndLoss" abstract="false" name="ShareOfProfitAndLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_MinorityInterestsNonControllingInterestsAbstract" abstract="true" name="MinorityInterestsNonControllingInterestsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_ProvisionOrReversalOfProvisions" abstract="false" name="ProvisionOrReversalOfProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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_OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY" abstract="false" name="OtherReportsRequiredPursuantToApplicableLegislationAndTaxRegulationsIssuedByTheNationalSupervisoryBodiesOfTheCountriesInWhichTheGroupOperatesReviewedByFirmsBelongingToEY" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_LiquidityAvailableByInstrumentsAxis" abstract="true" name="LiquidityAvailableByInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_ImpactsOfIncreasesOrDecreasesInPercentageAxis" abstract="true" name="ImpactsOfIncreasesOrDecreasesInPercentageAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" 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_DeferredTaxLossAllowances" abstract="false" name="DeferredTaxLossAllowances" nillable="true" xbrli:periodType="duration" 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_TypeOfEquityInstrumentDomain" abstract="true" name="TypeOfEquityInstrumentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss" abstract="false" name="ShareOfOtherRecognizedIncomeAndExpenseOfInvestmentsInJointVenturesAndAssociatesThatMayBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_VaRByRiskFactorAxis" abstract="true" name="VaRByRiskFactorAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock" abstract="false" name="CalendarOfTheNotionalMaturitiesOfTheHedgingInstrumentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_HouseholdsMember" abstract="true" name="HouseholdsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DeferredShareRemunerationSystemTable" abstract="true" name="DeferredShareRemunerationSystemTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_BasisPointVariationAxis" abstract="true" name="BasisPointVariationAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_OfWhichHyperinflationEffectFromInvestingActivities" abstract="false" name="OfWhichHyperinflationEffectFromInvestingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TotalRestrictedReserves" abstract="false" name="TotalRestrictedReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_EffectiveTaxRateTableTextBlock" abstract="false" name="EffectiveTaxRateTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_IncreaseDecreaseInFinancialLiabilitiesAtAmortizedCost" abstract="false" name="IncreaseDecreaseInFinancialLiabilitiesAtAmortizedCost" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_TypeOfIssueLineItems" abstract="true" name="TypeOfIssueLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_DepreciationRatesForTangibleAssetsTable" abstract="true" name="DepreciationRatesForTangibleAssetsTable" 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_DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable" abstract="true" name="DerivativesByTypeOfRiskAndByProductOrByTypeOfMarketTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock" abstract="false" name="SensitivityAnalysisForMainAssumptionsMexicoTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_ResidualMaturitiesByContractualPeriodsTable" abstract="true" name="ResidualMaturitiesByContractualPeriodsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_SecuredTaxAssetsTableTextBlock" abstract="false" name="SecuredTaxAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_NumberOfDerivativesOnBBVATreasuryShares" abstract="false" name="NumberOfDerivativesOnBBVATreasuryShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_EncumberedAssets" abstract="false" name="EncumberedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_RiskAdjustmentReleaseMember" abstract="true" name="RiskAdjustmentReleaseMember" 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_PublicAdministrationAndDefenseCompulsorySocialSecurityMember" abstract="true" name="PublicAdministrationAndDefenseCompulsorySocialSecurityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_A7883Member" abstract="true" name="A7883Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_DepositsFromBanksBreakdownByGeographyAxis" abstract="true" name="DepositsFromBanksBreakdownByGeographyAxis" 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_ForeignExchangeAndGoldMember" abstract="true" name="ForeignExchangeAndGoldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_SubtotalRetainedEarningsOrLossesAndRevaluationReserves" abstract="false" name="SubtotalRetainedEarningsOrLossesAndRevaluationReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FinancialMember" abstract="true" name="FinancialMember" 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_DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTable" abstract="true" name="DerivativesHedgeAccountingBreakdownByTypeOfRiskAndTypeOfHedgeTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" 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_DefinedContributionPlanExpense" abstract="false" name="DefinedContributionPlanExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_LiabilitiesForRemainingCoverageExcludingLossComponentMember" abstract="true" name="LiabilitiesForRemainingCoverageExcludingLossComponentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_CommitmentsAndGuaranteesGiven" abstract="false" name="CommitmentsAndGuaranteesGiven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" abstract="false" name="LoansAndAdvancesToCustomersAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_DebtSecuritiesByRatingLineItems" abstract="true" name="DebtSecuritiesByRatingLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ExperienceAdjustmentsMember" abstract="true" name="ExperienceAdjustmentsMember" 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_CommitmentsAndGuaranteesGivenTableTextBlock" abstract="false" name="CommitmentsAndGuaranteesGivenTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" abstract="false" name="FinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_AccountingBalancesAxis" abstract="true" name="AccountingBalancesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_PlanAssetsBreakdownLineItems" abstract="true" name="PlanAssetsBreakdownLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_FinancialLiabilitiesHeldForTrading" abstract="false" name="FinancialLiabilitiesHeldForTrading" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_NonCashChangesFromFinancingActivitiesAxis" abstract="true" name="NonCashChangesFromFinancingActivitiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<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_NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossAbstract" abstract="true" name="NonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLossAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<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_ImpactsOfIncreasesOrDecreasesInPercentageDomain" abstract="true" name="ImpactsOfIncreasesOrDecreasesInPercentageDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock" abstract="false" name="ContributionToConsolidatedGroupTotalAssetsEntitiesByMainActivitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_RiskManagementAbstract" abstract="true" name="RiskManagementAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_GuaranteesReceivedTable" abstract="true" name="GuaranteesReceivedTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bbva_FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" abstract="false" name="FairValueChangesOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeThatMayBeReclassifiedToProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_ReconciliationOfTaxationAtTheSpanishCorporationTaxRateToTheTaxExpenseRecordedForTheYearTableTextBlock" abstract="false" name="ReconciliationOfTaxationAtTheSpanishCorporationTaxRateToTheTaxExpenseRecordedForTheYearTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<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_InterestIncomeOrExpenseMember" abstract="true" name="InterestIncomeOrExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_JaimeFlixCaruanaLacorteMember" abstract="true" name="JaimeFlixCaruanaLacorteMember" 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_NonlifeInsuranceContractsMember" abstract="true" name="NonlifeInsuranceContractsMember" 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_DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems" abstract="true" name="DepositsFromCustomersByGeographicalAreaAndInstrumentLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_ChangesToLiabilityForIncurredClaimsMember" abstract="true" name="ChangesToLiabilityForIncurredClaimsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DividendsValuationAdjustmentsAndOthers" abstract="false" name="DividendsValuationAdjustmentsAndOthers" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_FinancialAssetsHeldForTradingMember" abstract="true" name="FinancialAssetsHeldForTradingMember" 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_Nov23Member" abstract="true" name="Nov23Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems" abstract="true" name="DisclosureOfDerivativeFinancialAssetsHeldForHedgingLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_AmortizationOfInsuranceAcquisitionCashFlowMember" abstract="true" name="AmortizationOfInsuranceAcquisitionCashFlowMember" 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_NetAnnualOriginationOfAllowances" abstract="false" name="NetAnnualOriginationOfAllowances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<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_AnnualVariableRemunerationSeniorManagementDomain" abstract="true" name="AnnualVariableRemunerationSeniorManagementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<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_AdministrativeExpensesTableTextBlock" abstract="false" name="AdministrativeExpensesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bbva_LiabilitiesUnderInsuranceAndReinsuranceContractsTable" abstract="true" name="LiabilitiesUnderInsuranceAndReinsuranceContractsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<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_CreditDefaultSwapContractMember" abstract="true" name="CreditDefaultSwapContractMember" 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_FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" abstract="false" name="FairValueChangesOfFinancialLiabilitiesAtFairValueThroughProfitOrLossAttributableToChangesInTheirCreditRisk" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems" abstract="true" name="AccumulatedOtherComprehensiveIncomeClassifiedByConceptsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bbva_BBVACashBalanceAvailableToTheDate" abstract="false" name="BBVACashBalanceAvailableToTheDate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bbva_NegativeScenarioMember" abstract="true" name="NegativeScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bbva_GDP100Bp" abstract="false" name="GDP100Bp" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
</xs:schema>


2 Subsequent Filings that Reference this Filing

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 3/06/24  Banco Bilbao Vizcaya Argentar… SA 424B5                  2:1.6M                                   Donnelley … Solutions/FA
 3/05/24  Banco Bilbao Vizcaya Argentar… SA 424B5                  1:1.5M                                   Donnelley … Solutions/FA


1 Previous Filing that this Filing References

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 2/09/24  Banco Bilbao Vizcaya Argentar… SA 6-K         2/09/24    1:6M                                     Donnelley … Solutions/FA
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Filing Submission 0000842180-24-000007   –   Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)

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