Company: BBVXF
Filing Date: 2025-09-05
Form Type: F-4/A
Source: 0001193125-25-196513
Chunk: 423

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-05
Form: F-4/A
Chunk 423
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U has a one-yearand five-year funding plan in which they set out their potential funding needs and the strategy for their management, and they regularly analyse compliance with that plan, any deviations from the projected budget and the extent to which the plan is appropriate to the market environment. In addition, Banco Sabadell regularly reviews the identification of liquidity risks and assesses their materiality. At least for all risks deemed material, there are specific management strategies and metrics in place that capture these risk components. It also conducts regular liquidity stress tests, which envisage a series of stress scenarios in the short and longer term, and it analyses their impact on the liquidity position and the main metrics in order to ensure that the existing exposures are consistent at all times with the established liquidity risk tolerance level. The Institution also has an internal transfer pricing system to transfer the funding costs to business units. Lastly, Banco Sabadell has a Liquidity Contingency Plan (LCP) in place, which sets forth the strategy for ensuring that the Institution has sufficient management capabilities and measures in place to minimise the negative impacts of a crisis situation on its liquidity position and to allow it to return to a business-as-usualsituation. The LCP can be invoked in response to different crisis situations affecting either the markets or the Institution itself. The key components of the LCP include, among others: the definition of the strategy for its implementation, the inventory of measures available to generate liquidity in business-as-usualsituations or in a crisis situation linked to the invocation of the LCP and a communication plan (both internal and external) for the LCP. A-184

Residual maturity periods The tables below show the breakdown, by contractual maturity, of certain pools of items on the consolidated balance sheet as at 31 December 2024 and 2023, under business-as-usualmarket conditions:

| Thousand euro                                                     |     |           |             |     |         |            |     |        |           |     |         |            |     |              |            |     |              |            |     |              |            |     |              |            |     |             |             |     |       |             |
|                                                                   |     |           |             |     |         |            |     |        |           |     |    2024 |            |     |              |            |     |              |            |     |              |            |     |              |            |     |             |             |     |       |             |
| Time to maturity