Company: BBVXF
Filing Date: 2025-05-01
Form Type: 6-K
Source: 0001193125-25-108558
Chunk: 4

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-05-01
Form: 6-K
Chunk 4
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 year or less 
 contracted by all self-employed individuals with Banco Sabadell [Remedy 8.1].                   |

| ● | Maintaining the total credit volume for SMEs whose aggregated CIRBE3 credit exposure with BBVA and Banco Sabadell is at least 85% [Remedy 8.2]. |

| ● | In those Autonomous Communities where the resulting entity’s market share in the SME segment                                                                                                                                                  
 exceeds 30 percent with an addition greater than 10 percent (in this case, Catalonia and the Balearic Islands), maintaining the total credit volume for SMEs whose aggregated CIRBE7 credit exposure with BBVA and Banco Sabadell is at least 
 50% [Remedy 8.2].                                                                                                                                                                                                                             |

| ● |     | The CNMC will assess the effectiveness of these measures after three years and decide whether to 
 extend them for another two [Remedy 14.7].                                                       |

2Unless there is a breach of anti-money laundering regulations or international sanctions; forgery of data is detected; or there is a significant increase in credit risk under the terms set out in the Banco de Espańa’s Circular 4/2017. 3Central de Información de Riesgos del Banco de España.

04.30.2025 In order to guarantee that commercial terms and conditions are maintained for retail customers, SMEs and the self-employed, BBVA commits to:

| ● |     | Maintaining the commercial terms and conditions in postal codes with fewer than four financial 
 institutions (174 postal codes) [Remedy 5.1].                                                  |

| ● |     | Furthermore, for SMEs and the self-employed in these postal codes, new loan prices will not exceed                
 the national average for each rating level and financing product that is granted (174 postal codes) [Remedy 5.4]. |

| ● |     | Maintaining the terms of acquiring services (POS4) contracted by SMEs and self-employed customers 
 with BBVA and/or Banco Sabadell [Remedy 9].                                                       |

Moreover , in line with previous transactions, BBVA has committed to divest certain levels of stakes in payment processing companies(Redsys, Sistema de Tarjetas y Medios de Pago, Bizum and Servired) as mandated by these companies’ bylaws [Remedy 7]. Finally, BBVA has also committed to make the standard customer service channels available to address any issues related to the implementation of the remedies,