Company: BBVXF
Filing Date: 2025-09-09
Form Type: 424B3
Source: 0001193125-25-198517
Chunk: 262

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-09
Form: 424B3
Chunk 262
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 law.

EXPERTS

The consolidated financial statements of BBVA included in the 2024 Form 20-F as of and for the years
ended December 31, 2024, 2023 and 2022, and the effectiveness of BBVA’s internal control over financial reporting as of December 31, 2024 have been audited by Ernst & Young, S.L., independent registered public accounting
firm, as set forth in their reports thereon, included therein, and incorporated by reference herein. Such consolidated financial statements and BBVA’s management assessment of the effectiveness of internal control over financial reporting as
of December 31, 2024 are incorporated by reference herein in reliance upon such reports given on the authority of such firm as experts in auditing and accounting.

ENFORCEABILITY OF CIVIL LIABILITIES

BBVA is a public limited company (sociedad anónima) organized under the laws of Spain. Substantially all of its directors and
executive officers, and certain of the experts named in this document, are not residents of the United States. The vast majority of BBVA’s assets and most of its directors and officers are located outside the United States. As a result, it may
not be possible for investors to effect service of process within the United States upon such persons with respect to matters arising under the Securities Act or to enforce against them judgments of courts of the United States predicated upon civil
liability under the Securities Act. BBVA is advised by its Spanish legal counsel that there is doubt as to the enforceability in Spain in original actions or in actions for enforcement of judgments of U.S. courts, of liabilities predicated solely
upon the securities laws of the United States.

189

APPENDIX I CONSOLIDATED FINANCIAL STATEMENTS OF BANCO DE SABADELL, S.A.

| Condensed consolidated interim financial statements of Banco Sabadell as of and for           
 the six-month period ended June 30, 2025                                                      
 Condensed Consolidated Balance Sheets of Banco Sabadell Group as at June 30, 2025 and         
 December 31, 2024                                                                             |     | Page | A-2   
 A-3   |
|:----------------------------------------------------------------------------------------------|:----|:-----|:------|
| Condensed Consolidated Income Statements of Banco Sabadell Group for the six-month periods    
 ended June 30, 2025 and 2024                                                                  |     |      | A-6   |
| Cond