Company: BBVXF
Filing Date: 2025-08-12
Form Type: DRS
Source: 0000950123-25-007520
Chunk: 896

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-08-12
Form: DRS
Chunk 896
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31 December                                   
 2022                                                        |     |                 |  63,384 |     |            |    170 |     |                |  89,850 |     |             |  176,823 |     |            |  314,282 |     |       |  644,509 |

(*) See Note 33. The headings “Pensions and other post employment defined benefit obligations” and “Other long term employee benefits” include the amount of provisions for the coverage of post-employment remuneration and commitments undertaken with early retirees and similar commitments. A-710

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 heading “Commitments and guarantees given” includes the amount of provisions for the coverage of commitments given and contingent risks arising from financial guarantees or other types of contracts. During the usual course of business, the Group is exposed to fiscal, legal and regulatory contingencies, among others. All significant contingencies are analysed on a regular basis, with the collaboration of third party experts when necessary and, where appropriate, provisions are recognised under the headings “Pending legal issues and tax litigation” and “Other provisions”. As at 31 December 2022 and 2021, these headings mainly include:

| – | Provisions for legal contingencies amounting to 23 million euros as at 31 December 2022 (28 million 
 euros as at 31 December 2021).                                                                      |

| – | Other provisions for legal contingencies in Spain arising from customer claims in connection with certain general                                                                                                                                       
 terms and conditions of agreements amounting to 179 million euros (171 million euros as at 31 December 2021). The most significant provision relates to the possible reimbursement of amounts received as a result of the application of                
 mortgage floor clauses, whether as a result of the hypothetical voiding by the courts of law of floor clauses or whether due to the implementation of Royal Decree-Law 1/2017, of 20 January, on measures to                                            
 protect consumers regarding floor clauses, for the amount of 99 million euros as at 31 December 2022 (114 million euros as at 31 December 2021). In a highly adverse scenario of potential additional claims being filed, both                          
 through the procedures established by the Institution, in accordance with that set forth in the aforesaid Royal Dec