Company: BBVXF
Filing Date: 2025-08-12
Form Type: DRS
Source: 0000950123-25-007520
Chunk: 401

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-08-12
Form: DRS
Chunk 401
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 by Royal Decree-Law7/2024 of 11 November, and finally by Royal Decree-Law8/2024 of 28 November. These decrees include a set of measures aimed at addressing the liquidity needs of households, self-employed professionals and businesses, such as the rollout of the ICO-DANAline of guarantees, furnished with up to 5 billion euros, and statutory moratoria. Specifically, the Spanish Ministry of Economy, Trade and Business, at a meeting of the Council of Ministers held on 11 November 2024, adopted an agreement establishing the terms and conditions of the first tranche of this line of guarantees for 1 billion euros, setting the guarantee’s percentage at 80% of the capital. In addition, the aforementioned agreement allows obligors released under Article 29 of Royal Decree-Law8/2020 of 17 March, Article 1 of Royal Decree-Law25/2020 of 3 July and Article 29 of Royal Decree-Law6/2022 of 29 March, who meet the requirements laid down in Article 32 of Royal Decree-Law6/2024 to request the suspension of principal and interest repayments. At a meeting of the Council of Ministers of 28 November 2024, an agreement was signed to open up a new tranche of the ICO-DANAline of guarantees for self-employed persons and SMEs for 240 million euros. Furthermore, a three-month statutory moratorium for households, self-employed professionals and businesses (with turnover of up to 6 million euros) on principal and interest repayments and an additional nine-month moratorium on principal repayments were put in place. The Group carried out a preliminary assessment of its exposure potentially affected by the event. To that end, the potentially affected perimeter was identified using the postcodes of the municipalities included in the scope of application of Royal Decree-Law6/2024 of 5 November, taking into account:

| • |     | Mortgage-backed exposures which, using the coordinates in which the main collateral was located, coincided with a 
 flooded location;                                                                                                 |

| • |     | Corporate exposures in which the company’s registered office, using the coordinates of the same, coincided with a 
 flooded location; or                                                                                              |

| • |     | Unsecured retail exposures which were part of a list of most affected municipalities compiled internally using the same 
 satellite information provided by Copernicus.                                                                           |

Based on these criteria, the Group’s exposure that met any