Company: BBVXF
Filing Date: 2025-05-01
Form Type: 425
Source: 0001193125-25-108507
Chunk: 13

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-05-01
Form: 425
Chunk 13
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30%, with an increase of more than 10% in the SME credit segment (namely, Catalonia and the Balearic Islands), BBVA undertakes to maintain the credit volume granted to SME clients whose CIRBE exposure is at 4In accordance with the information recorded in the Central Credit Register of the Bank of Spain (the “ CIRBE”), with CIRBE quota understood as the amount of outstanding risk declared by financial institutions in respect of a client.

This English version is a translation of the original in Spanish for information purposes only. In case of discrepancy, the Spanish original will prevail. least 50% concentrated with BBVA and/or Banco Sabadell. For these purposes, the criterion applied shall be the financing granted through the branches of the Parties located in said Autonomous Communities. In both cases: (i) credit facilities with a term of less than one year shall be renewed annually at their maturity date, and long-term loans granted for productive investment shall be offered with a minimum term of three years; and (ii) both the volume of credit and the CIRBE share held by SME clients as of April 30, 2025, shall be taken into consideration.

| 8.3. | The commitments set out in sections 8.1 and 8.2 are subject to the Acquisition of Control and shall apply unless:                                                                                                                           
 (i) compliance would result in a breach of the applicable regulations for Spanish banking institutions on the prevention of money laundering or international sanctions; or (ii) any falsification is detected in the data or documentation 
 used as the basis for the granting or maintenance of the credit, the necessary documentation to ascertain the client’s legal or financial situation is not provided when required, or fraud by the client is detected; or (iii) there is a  
 significant increase in credit risk, adjusted for any variation that may result from different calculation methodologies between the two entities, under the terms established by Bank of Spain Circular 4/2017, of 27 November, to credit  
 institutions, on rules for public and reserved financial information and financial statement reporting model.                                                                                                                               |

| 9. | Commitment in relation to acquiring services contracted by clients of the Parties |

| 9.1. | BBVA undertakes not to worsen the conditions of the acquiring services that SME and self-employed had contracted with             
 BBVA, as of the date of notification of the Resolution, and/or with Banco Sabadell, as of the date of the Acquisition of Control. |