Company: BBVXF
Filing Date: 2025-08-12
Form Type: DRS
Source: 0000950123-25-007520
Chunk: 831

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-08-12
Form: DRS
Chunk 831
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aid. A-624

As confidentially submitted to the Securities and Exchange Commission on August 11, 2025. This Amendment No. 4 has not been publicly filed with the Securities and Exchange Commission and all information herein remains strictly confidential. Personal guarantees or sureties are established in favour of the Institution and, except in certain exceptional cases, these are also executed before a notary through a public document, to vest the agreement with the highest possible legal certainty and to allow legal claims to be filed through executive proceedings in the event of default. They constitute a credit right with respect to the guarantor that is irrevocable and payable on first demand. The Group has not received any significant guarantees which it is authorised to sell or pledge, irrespective of any non-paymentby the owner of the referred guarantees, except for those intrinsic in treasury activities, which are mostly repos with maturities of no more than six months, therefore their fair value does not differ substantially from their carrying amount (see Note 6). The fair value of the assets sold in connection with repos is included under the heading “Financial liabilities held for trading” as part of the short positions of securities. Assets assigned under the same transactions amounted to 417,982 thousand euros (694,554 thousand euros as at 31 December 2021) and are included by type under the repos heading in Notes 18 and 19. There have been no significant changes in Banco de Sabadell’s policies on the topic of guarantees during this year. Neither have there been any significant changes in the quality of the Group’s guarantees with respect to the previous year. The values of the guarantees received to ensure collection, broken down into collateral and other guarantees, as at 31 December 2022 and 2021 are as follows:

| Thousand euro                      |     |      |             |     |      |             |
|                                    |     | 2022 |             |     | 2021 |             |
| Value of collateral                |     |      |  97,340,958 |     |      |  97,877,766 |
| Of which: securing stage 2 loans   |     |      |   8,515,648 |     |      |   6,740,264 |
| Of which: securing stage 3 loans   |     |      |   2,046,793 |     |      |   2,291,061 |
| Value of other guarantees          |     |      |  17,