Company: BBVXF
Filing Date: 2025-09-05
Form Type: F-4/A
Source: 0001193125-25-196513
Chunk: 402

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-05
Form: F-4/A
Chunk 402
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 based on their financial situation (balances, activity, non-payments), their personal characteristics and the features of each of the products that they have acquired. These credit scores are mainly used to 
 authorise transactions, establish (authorised) overdraft limits, design advertising campaigns and adjust the initial stages of the debt recovery management process.                                           |

A-161

The percentage distribution by behavioural score of Banco Sabadell’s portfolio of individuals (retail customers) as at 31 December 2024 and 2023 is detailed below:

| %                                                                                     |     |       |     |        |     |       |     |        |     |      |     |       |     |       |     |       |     |       |     |       |
| Distribution, by behavioural score, of Banco Sabadell’s portfolio of individuals 2024 |     |       |     |        |     |       |     |        |     |      |     |       |     |       |     |       |     |       |     |       |
| 9                                                                                     |     |     8 |     |      7 |     |     6 |     |      5 |     |    4 |     |     3 |     |     2 |     |     1 |     |     0 |     | TOTAL |
| 1.23%                                                                                 |     | 8.38% |     | 27.51% |     | 38.6% |     | 16.28% |     | 4.6% |     | 1.92% |     | 0.87% |     | 0.41% |     | 0.20% |     | 100%  |

In this scale of 0 to 9, probability of default (PD) goes from high to low. The PD used is the risk management PD.

| %                                                                                     |     |       |     |        |     |        |     |        |     |       |     |       |     |       |     |       |     |       |     |       |
| Distribution, by behavioural score, of Banco Sabadell’s portfolio of individuals 2023 |     |       |     |        |     |        |     |        |     |       |     |       |     |       |     |       |     |       |     |       |
| 9                                                                                     |     |     8 |