Company: BBVXF
Filing Date: 2025-09-09
Form Type: 424B3
Source: 0001193125-25-198517
Chunk: 486

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-09
Form: 424B3
Chunk 486
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 the analysis of complaints and claims it receives. The following entities adhere to the SAC Regulations: Sabadell Asset Management, S.A., S.G.I.I.C. Sociedad Unipersonal, Urquijo Gestión, S.G.I.I.C, S.A. and Sabadell Consumer Finance, S.A.U. In 2024, Banco Sabadell’s Customer Care Service (SAC) received 104,621 complaints and 105,355 complaints were handled during the year, with 1,565 claims and complaints pending analysis as at 31 December 2024. Details of complaints received by the SAC in 2024, broken down by type of product or service, are provided here below:

|                                              |     | Complaints |         |     | % of total 
 received   |        |
| Product                                      |     |            |         |     |            |        |
| Loans and credit secured with mortgages      |     |            |  62,557 |     |            | 59.8 % |
| Loans and credit not secured with collateral |     |            |  10,172 |     |            | 9.7 %  |
| Demand deposits and payment accounts         |     |            |  21,766 |     |            | 20.8 % |
| Payment instruments and electronic money     |     |            |   4,649 |     |            | 4.4 %  |
| Other payment services                       |     |            |   2,843 |     |            | 2.7 %  |
| Other products/services                      |     |            |   1,809 |     |            | 1.7 %  |
| Other products                               |     |            |     825 |     |            | 0.8 %  |
| Total                                        |     |            | 104,621 |     |            | 100 %  |

A-293

Complaints and claims processed by SAC at first instance

During 2024, the SAC received 99,558 complaints and claims, in accordance with the provisions of Order ECO 734/2004 of 11 March and 100,262 have
been processed. Of these, 52,781 complaints and claims were accepted and resolved and 47,481 were refused due to reasons set out in the SAC Regulations.

Of the total number of complaints