Company: BBVXF
Filing Date: 2025-01-08
Form Type: 424B5
Source: 0001193125-25-003393
Chunk: 194

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-01-08
Form: 424B5
Chunk 194
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| · |     | weaknesses or failures in our Group’s internal or outsourced processes, systems (including information technology systems) and security; |

| · |     | weaknesses or failures of our anti-money laundering or anti-terrorism programs, or of our internal policies, procedures, systems and other mitigating measures 
 designed to ensure compliance with applicable anti-corruption laws and sanctions regulations;                                                                  |

| · |     | security breaches, including cyber-attacks and identity theft; |

| · |     | the outcome of legal and regulatory actions and proceedings, both those to which the Group is currently exposed and any others which may arise in the future, 
 including actions and proceedings related to former subsidiaries of the Group or in respect of which the Group may have indemnification obligations;          |

| · |     | actions that are incompatible with our ethics and compliance standards, and our failure to timely detect or remedy any such actions; |

| · |     | uncertainty surrounding the integrity and continued existence of reference rates and the transition away from the Euro Interbank Offered Rate (EURIBOR), Euro 
 OverNight Index Average (EONIA) and London Inter-bank Offered Rate (LIBOR) to new reference rates;                                                            |

| · |     | our success in managing the risks involved in the foregoing, which depends, among other things, on our ability to anticipate events that are not captured by 
 the statistical models we use; and                                                                                                                           |

| · |     | force majeure and other events beyond our control. |

Readers are cautioned not to place undue reliance on forward-looking statements. In addition, the forward-looking statements made in this prospectus speak only as of the date of this prospectus. We do not intend to publicly update or revise these forward-looking statements to reflect events or circumstances after the date of this prospectus, including, without limitation, changes in our business, strategy or expectations, including as a result of the occurrence of unanticipated events, and we do not assume any responsibility to do so. You should, however, consult any further disclosures of a forward-looking nature we may make in our other documents filed with, or furnished to, the SEC that are incorporated by reference into this prospectus. 5

RISK FACTORS

You should carefully consider the risk factors contained in the applicable prospectus supplement and the documents incorporated by reference
into this prospectus, including, but not limited to, those risk factors in “Item3. Key Information—Risk Factors” in our 2021 Form