Company: BBVXF
Filing Date: 2025-09-09
Form Type: 424B3
Source: 0001193125-25-198517
Chunk: 128

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-09
Form: 424B3
Chunk 128
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 has been extracted from page 98 of Banco Sabadell’s consolidated financial statements as of and for the year ended December 31, 2024, reproduced herein on page A-187. See also Note 4.4.3.1 to the consolidated financial statements as of and for the year ended December 31, 2024.

100

On-balance sheet customer funds as at December 31, 2024 and 2023 are shown below by maturity:

|                          |     |                 2024 |         |     | 3 months |      |   |     | 6 months |      |   |     | 12 months |      |   |     | >12 months |      |   |     | No maturity |       |   |
|                          |     | -€ million, except % |         |     |          |      |   |     |          |      |   |     |           |      |   |     |            |      |   |     |             |       |   |
| Total on-balance sheet   
 customer funds           
 (*)                      |     |                      | 169,557 |     |          |  5.7 | % |     |          |  4.3 | % |     |           |  5.8 | % |     |            |  2.6 | % |     |             |  81.6 | % |
| Term deposits and others |     |                      |  30,690 |     |          | 30.9 | % |     |          | 22.9 | % |     |           | 32.1 | % |     |            | 14.1 | % |     |             |     — |   |
| Demand deposits          |     |                      | 138,347 |     |          |    — |   |     |          |    — |   |     |           |    — |   |     |            |    — |   |     |             | 100.0 | % |
| Retail issues            |     |                      |     520 |     |          | 41.9 | % |     |          | 57.5 | % |     |           |  0.6 | % |     |            |    — |   |     |             |     — |   |

| (*) | Includes customer deposits (excl. repos) and other liabilities placed via the branch network: straight bonds