Company: BBVXF
Filing Date: 2025-08-12
Form Type: DRS
Source: 0000950123-25-007520
Chunk: 425

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-08-12
Form: DRS
Chunk 425
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 credit scores are divided into two types:

| • |     | Reactive credit scores: these are used to assess applications for consumer loans, mortgage loans and credit cards. Once                                                                                                                               
 all of the data relating to the transaction has been entered, the system calculates a result based on the estimated borrowing power, financial profile and, if applicable, the profile of assets pledged as collateral. The resulting credit score is 
 integrated into risk management processes using the system of discretions.                                                                                                                                                                            |

| • |     | Behavioural credit scores: the system automatically classifies all customers using information regarding their activity                                                                                        
 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

As confidentially submitted to the Securities and Exchange Commission on August 11, 2025. This Amendment No. 4 has not been publicly filed with the Securities and Exchange Commission and all information herein remains strictly confidential. 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