Company: BBVXF
Filing Date: 2025-02-27
Form Type: F-4/A
Source: 0001193125-25-037317
Chunk: 110

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-02-27
Form: F-4/A
Chunk 110
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92,562 |     |        |    68,818 |     |        |    34,938 |     |           |  1,043,960 |     |       |   2,064,396 |

In this analysis, very short-term maturities traditionally represent funding requirements, as they include continuous maturities of short-term liabilities, which in typical banking activities see higher turnover rates than assets, but as they are continuously rolled over, they actually end up satisfying these requirements and at times even result in the growth of outstanding balances. Furthermore, the Group’s funding programs in capital markets are systematically checked to ensure they can meet its short-, medium- and long-term needs. With regard to the information included in these tables, it is worth highlighting that they show the residual term to maturity of the asset and liability positions on the balance sheet, broken down into different time brackets. The information provided is static and does not reflect foreseeable funding needs. It should also be noted that cash flow breakdowns in the parent company have not been deducted. In order to present the contractual maturities of financial liabilities with certain particular characteristics, the parent company has taken the following approach:

| • |     | Transactions are placed in different time brackets according to their contractual maturity date. |

| • |     | Demand liabilities are included in the “on demand” tranche, without taking into account their type 
 (stable versus unstable).                                                                          |

| • |     | There are also contingent commitments which could lead to changes in liquidity needs. These are fundamentally                                                                               
 credit facilities with amounts undrawn by the borrowers as at the balance sheet date. The board of directors of Banco Sabadell also establishes limits in this regard for control purposes. |

| • |     | Balances related to financial guarantee contracts have been included for the parent company, allocating the 
 maximum amount of the guarantee to the earliest period in which the guarantee can be called.                |

| • |     | Funding in capital markets obtained through instruments that include clauses which could lead to accelerated                                                                                                                                     
 repayment (instruments with clauses linked to a credit rating downgrade or puttables) is reduced in line with the Group’s financial liabilities. It is for this reason that the estimated impact on the parent company would not be significant. |

86

Research and Development, Patents and Licenses, Etc.

2024

The information below has been extracted from page 355 of Banco Sabadell’s consolidated directors’ report as of and for the year ended December 31,