Company: BBVXF
Filing Date: 2025-08-12
Form Type: DRS
Source: 0000950123-25-007520
Chunk: 186

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-08-12
Form: DRS
Chunk 186
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 (other than, only with respect to BBVA, certain commitments aimed at preserving its physical presence in certain territories and the maintenance of the commercial terms and conditions of certain products and services already contracted, which entered into force when the CNMC’s resolution became effective on June 24, 2025):

| • |     | With respect to financial inclusion, territorial cohesion and protection for vulnerable customers, BBVA commits                                                                                                                                       
 to (i) not close branches where there is no other nearby BBVA or Banco Sabadell branch within a radius of 300 meters; (ii) not close branches in those postal codes where the per capita income is less than €10,000 as of the date of the            
 CNMC’s resolution; (iii) not discontinue the branch presence of BBVA or Banco Sabadell (nor substitute any such branches by an agent, a mobile bank or other means) in any municipality in which there are fewer than three competitors as of the     
 date of the CNMC’s resolution (49 municipalities); (iv) offer to customers in identified municipalities use of the “Correos Cash” banking service with two free weekly transactions under €2,500 each; (v) not close BBVA or Banco                    
 Sabadell branches in municipalities with fewer than 5,000 inhabitants where at least one branch of BBVA or Banco Sabadell operates as of the date of the CNMC’s resolution (140 municipalities); (vi) not close Banco Sabadell branches               
 specializing in business customers anywhere in Spain; (vii) maintain teller services, with the same business hours as currently offered, at all BBVA and Banco Sabadell branches; (viii) create an account for vulnerable customers, with no opening, 
 administration or maintenance fees, a free debit card and unlimited free domestic transfers through digital channels, and no fees for foreign-currency transfers, among other terms and conditions; (ix) not close off-premises ATMs in postal codes  
 where there is only one or no other competitor (currently 11 off-premises BBVA ATMs, to which off-premises Banco Sabadell ATMs will be added); (x) maintain access to Banco Sabadell’s ATM network for all customers of the entities belonging        
 to the Euro 6000 and Cardtronics ATM networks on the same terms as they currently have with Banco Sabadell for 18 months; and (xi) maintain Banco Sabadell’s current fee policies for ATM withdrawals using cards issued