Company: BBVXF
Filing Date: 2025-02-27
Form Type: F-4/A
Source: 0001193125-25-037317
Chunk: 105

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-02-27
Form: F-4/A
Chunk 105
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          |  5.6 | % |     |          |  2.4 | % |     |           |  4.3 | % |     |            |  4.3 | % |     |             |  83.4 | % |
| Term deposits and others |     |                      |  25,237 |     |          | 32.1 | % |     |          | 13.6 | % |     |           | 26.8 | % |     |            | 27.5 | % |     |             |     — |   |
| Demand deposits          |     |                      | 134,243 |     |          |    — |   |     |          |    — |   |     |           |    — |   |     |            |    — |   |     |             | 100.0 | % |
| Retail issues            |     |                      |   1,408 |     |          | 53.8 | % |     |          | 30.9 | % |     |           | 14.7 | % |     |            |  0.6 | % |     |             |     — |   |

| (*) | Includes customer deposits (excl. repos) and other liabilities placed via the branch network: straight bonds 
 issued by Banco Sabadell, commercial paper and others.                                                       |

80

2024 The information below has been extracted from page 98 of Banco Sabadell’s consolidated financial statements as of and for the year ended December 31, 2024, reproduced herein on page A-98. See also Note 4.4.3.1 to the consolidated financial statements as of and for the year ended December 31, 2024. Despite falling interest rates in the financial markets, the weight of term deposits and other deposits in the composition of on-balancesheet customer funds has increased. Details of off-balancesheet customer funds managed by the Group and those sold but not under management are provided in Note 27. The Group’s deposits are sold through the business units of the Group (Banking Business Spain, TSB and Mexico). In 2024, the funding gap turned positive, with a sharper increase in on-balance sheet customer funds than in gross performing loans to customers (excluding reverse repos), thus placing the Group’s Loan-to-Deposit(Ltd.) ratio at 93.2% as at 2024 year-end