Company: BBVXF
Filing Date: 2025-09-05
Form Type: F-4/A
Source: 0001193125-25-196513
Chunk: 779

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-05
Form: F-4/A
Chunk 779
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     |       | 150,505,339 |
| Contingent risks                                                  |     |           |             |   |     |         |            |     |        |            |     |         |            |     |              |            |     |              |            |     |              |            |     |              |            |     |             |             |     |       |             |
| Financial guarantees                                              |     |           |       1,009 |   |     |         |     42,947 |     |        |     71,565 |     |         |    321,960 |     |              |    133,084 |     |              |     78,916 |     |              |     44,775 |     |              |     34,319 |     |             |   1,305,569 |     |       |   2,034,143 |

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 capacity in capital markets is systematically checked to ensure it 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 vs. 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 also establishes limits in this regard for control purposes. |

A-639

| – | Balances related to financial guarantee contracts have been included for the parent company, assigning the maximum 
 amount of