Company: BBVXF
Filing Date: 2025-01-08
Form Type: 424B5
Source: 0001193125-25-003393
Chunk: 225

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-01-08
Form: 424B5
Chunk 225
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 of the depositary. BBVA and the depositary:

| · |     | are only obligated to take the actions specifically set forth in the deposit agreement without negligence or bad faith; |

| · |     | are not liable for any action or inaction if either relies upon the advice of, or information from, legal counsel, accountants, any person presenting shares 
 for deposit, any holder, or any other person believed to be competent to give such advice or information;                                                    |

| · |     | are not liable if either is prevented or delayed by law or circumstances beyond their control from performing their obligations under the deposit agreement; |

| · |     | are not liable if either exercises discretion permitted under the deposit agreement; |

| · |     | have no obligation to become involved in a lawsuit or other proceeding related to the BBVA ADSs or the deposit agreement on behalf of holders of BBVA ADSs or 
 on behalf of any other party; and                                                                                                                             |

| · |     | may rely upon any documents they believe to be genuine and to have been signed or presented by the proper party. |

The depositary will not be liable for its failure to carry out any instructions to vote BBVA’s securities or for the effects of any such vote. Other General Limitations on Liability to BBVA ADS Holders None of the depositary, its agents, nor BBVA will incur any liability if prevented or delayed in performing its obligations under the deposit agreement by reason of:

| · |     | any present or future law; |

| · |     | any act of God; |

| · |     | a war; |

| · |     | the threat of any civil or criminal penalty; or |

| · |     | any other circumstances beyond their respective control. |

The obligations and liabilities of BBVA and its agents and the depositary and its agents under the deposit agreement are expressly limited to performing their respective obligations specifically set forth and undertaken by them to perform in the deposit agreement without negligence or bad faith. In the deposit agreement, BBVA and the depositary agree to indemnify each other under certain circumstances. 25

General The depositary will act as registrar of the BBVA ADSs or, upon BBVA’s request or approval, appoint a registrar or one or more co-registrarsfor registration of the BBVA ADRs evidencing the BBVA ADSs in accordance with the requirements of NYSE or of any other stock exchange on which the BBVA ADSs may be listed. Such registr