Company: BBVXF
Filing Date: 2025-05-01
Form Type: 425
Source: 0001193125-25-108507
Chunk: 3

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-05-01
Form: 425
Chunk 3
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 postal codes where there is only one or no other competitor                  
 (currently 11 BBVA off-premises ATMs, to which Banco Sabadell off-premises ATMs will be added) [Remedy 4.10]. |

| ● | Maintaining access to Banco Sabadell’s ATM network for all customers of the entities belonging                                    
 to the Euro 6000 and Cardtronics networks for a period of 18 months, on the same terms they had with Banco Sabadell [Remedy 6.1]. |

| ● | Maintaining Banco Sabadell’s current fees policy for ATM withdrawals using cards issued by 
 other banks, for 18 months or until the merger is completed [Remedy 6.2].                  |

With the aim of ensuring lending for SMEs and the self-employed,BBVA commits to the following remedies: 2

| ● | Maintaining the working capital credit lines (financing with a term of one year or less), including       
 those intended for imports and exports of goods, contracted by all SMEs with Banco Sabadell [Remedy 8.1]. |

| ● | Maintaining the credit lines and goods import-export facilities with a term of one 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.

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