Banco Bilbao Vizcaya Argentaria, S.A 6-K, filed May 1, 2025
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA)
About this 6-K
Banco Bilbao Vizcaya Argentaria, S.A filed this 6-K on May 1, 2025.
UNITED STATES SECURITIES AND EXCHANGE
COMMISSION
WASHINGTON, D.C. 20549
FORM 6-K
REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13a-16 OR 15d-16
UNDER THE SECURITIES EXCHANGE ACT OF 1934
For the month of April, 2025
Commission file number: 1-10110
BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
(Exact name of Registrant as specified in its charter)
BANK BILBAO VIZCAYA ARGENTARIA, S.A.
(Translation of Registrant’s name into English)
Calle Azul 4,
28050 Madrid
Spain
(Address of principal executive offices)
Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:
| Form 20-F |
X | Form 40-F |
Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):
| Yes | No | X |
Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):
| Yes | No | X |
Banco Bilbao Vizcaya Argentaria, S.A. (“BBVA”), in compliance with the Securities Market legislation, hereby communicates the following:
OTHER RELEVANT INFORMATION
In relation to the voluntary tender offer launched by BBVA for the entire share capital of Banco de Sabadell, S.A. (“Banco Sabadell”) (the “Offer”), for which the prior announcement was published as inside information on May 9, 2024 (with registration number 2241) and the request for authorisation was submitted to the Spanish Securities Market Commission (CNMV) on May 24, 2024, BBVA informs that, as of today, it has received the notification of the National Commission on Markets and Competition (CNMC) confirming the approval of the economic concentration resulting from the Offer, subject to compliance with the commitments submitted by BBVA. The referred commitments are attached.
In accordance with Article 60 of the Competition Defense Law, this resolution will become effective upon the expiration of the maximum term of 15 business days established for the Minister of Economy to determine whether to refer said resolution to the Council of Ministers. In the event of such referral, the Council of Ministers will have a period of one month to render its decision in accordance with the aforementioned Law.
Attached is BBVA’s press release on the matter.
Madrid, April 30, 2025
|
Press Release |
04.30.2025
CNMC approves the union of BBVA and Banco Sabadell subject to remedies to ensure financial inclusion, territorial cohesion and lending to SMEs and the self-employed
The Spanish National Markets and Competition Commission (CNMC) has authorized in phase two and after 11 months of analysis, the combination of BBVA and Banco Sabadell. With this transaction the combined entity would result in the second-largest Spanish financial institution in terms of credit volume, after CaixaBank. The authorization is subject to a series of unprecedented remedies in the Spanish financial sector .
| ● | Among the remedies, one that stands out is the commitment to not close branches where there is no other branch within 300 meters; in postal codes with a per capita income below €10,000; where there are fewer than three competitors; or in municipalities with fewer than 5,000 residents. |
| ● | The remedy to maintain the commercial terms and conditions for retail customers, the self-employed and SMEs in postal codes with fewer than four competitors also stands out. |
| ● | Furthermore, BBVA will create an account for vulnerable customers from both Banco Sabadell and BBVA, with no fees and a free debit card, among other conditions. |
| ● | As for SMEs and the self-employed, in addition to not closing any of the Banco Sabadell branches specializing in businesses, BBVA has also committed to maintain working capital credit lines for three years (extendable by two more years, should the CNMC decide to do so) for all SMEs banking with Banco Sabadell and the credit lines and goods import-export facilities for all Sabadell self-employed customers. Moreover , BBVA commits to maintain the total credit volume for SMEs whose aggregated CIRBE1 credit exposure with BBVA and Banco Sabadell is at least 85%. In the Autonomous Communities where the share of the resulting entity’s SME lending segment will be higher (Catalonia and the Balearic Islands), this remedy will apply to SMEs whose aggregated CIRBE5 credit exposure is at least 50%. |
| ● | In addition, for SMEs and the self-employed in postal codes where there are fewer than four competitors, prices of the new credit flow will not exceed the average price applied at national level. |
1 Central de Información de Riesgos del Banco de España.
04.30.2025
| ● | As for the acquiring services market (POS), BBVA has committed to maintain the terms of acquiring services contracted by SMEs and self-employed customers with either BBVA and/or Banco Sabadell. |
“The union with Banco Sabadell is a project of growth, which will allow us to increase our lending capacity to businesses and households by an additional €5 billion per year. Furthermore, the remedies that we assume favor financial inclusion, territorial cohesion, credit for SMEs and the self-employed, and preserve competitiveness—especially in places where Banco Sabadell has a greater presence, such as Catalonia”, said BBVA Chair Carlos Torres Vila.
As stated by the CNMC in a press release, “considers that the remedies presented by BBVA are adequate, sufficient and proportionate to solve the problems that this concentration poses for competition in the affected markets.”
Regarding the next steps, following this authorization by the CNMC and as established by Law 15/2007 on the Defense of Competition, the Ministry of Economy has fifteen working days to decide whether to refer the concentration to the Council of Ministers .Should it do so, the Council of Ministers will assess the transaction based on public interest criteria other than the protection of competition, and it must issue its decision within a maximum period of one month (calendar days).
Details of the remedies
The CNMC has approved the BBVA and Banco Sabadell transaction, subject to compliance by BBVA with the following remedies, which will have a duration of three years, unless otherwise indicated .
In order to guarantee financial inclusion, territorial cohesion and protection for vulnerable customers, BBVA commits to:
| ● | Not closing branches where there is no other nearby branch (BBVA or Sabadell) within a radius of at least 300 meters [Remedy 4.3]. |
| ● | Not closing offices in those postal codes with a per capita income of less than €10,000 (205 postal codes) [Remedy 4.4]. |
| ● | Not leaving behind any municipality (nor substituting via an agent, a mobile bank or other means) in which there are fewer than three competitors (49) [Remedy 4.1]. |
| ● | Customers in these municipalities will be offered the “Correos Cash” service, with two free weekly transactions under €2,500 each [Remedy 4.8]. |
| ● | Not closing branches in municipalities with fewer than 5,000 inhabitants where at least one of Banco Sabadell or BBVA operates (140 municipalities) [Remedy 4.5]. |
04.30.2025
| ● | Not closing the offices of Banco Sabadell specializing in businesses in all of Spain [Remedy 4.6]. |
| ● | Maintaining teller services with the same business hours at all BBVA and Banco Sabadell branches [Remedy 4.7]. |
| ● | Creating an account for vulnerable customers, with no opening, administration and maintenance fees; a free debit card and free, unlimited domestic transfers through digital channels, and no fees in currency transfers, among other terms and conditions [Remedy 2]. |
| ● | Not closing off-premises ATMs in postal codes where there is only one or no other competitor (currently 11 BBVA off-premises ATMs, to which Banco Sabadell off-premises ATMs will be added) [Remedy 4.10]. |
| ● | Maintaining access to Banco Sabadell’s ATM network for all customers of the entities belonging to the Euro 6000 and Cardtronics networks for a period of 18 months, on the same terms they had with Banco Sabadell [Remedy 6.1]. |
| ● | Maintaining Banco Sabadell’s current fees policy for ATM withdrawals using cards issued by other banks, for 18 months or until the merger is completed [Remedy 6.2]. |
With the aim of ensuring lending for SMEs and the self-employed, BBVA commits to the following remedies:2
| ● | Maintaining the working capital credit lines (financing with a term of one year or less), including those intended for imports and exports of goods, contracted by all SMEs with Banco Sabadell [Remedy 8.1]. |
| ● | Maintaining the credit lines and goods import-export facilities with a term of one year or less contracted by all self-employed individuals with Banco Sabadell [Remedy 8.1]. |
| ● | Maintaining the total credit volume for SMEs whose aggregated CIRBE3 credit exposure with BBVA and Banco Sabadell is at least 85% [Remedy 8.2]. |
| ● | In those Autonomous Communities where the resulting entity’s market share in the SME segment exceeds 30 percent with an addition greater than 10 percent (in this case, Catalonia and the Balearic Islands), maintaining the total credit volume for SMEs whose aggregated CIRBE7 credit exposure with BBVA and Banco Sabadell is at least 50% [Remedy 8.2]. |
| ● | The CNMC will assess the effectiveness of these measures after three years and decide whether to extend them for another two [Remedy 14.7]. |
2 Unless there is a breach of anti-money laundering regulations or international sanctions; forgery of data is detected; or there is a significant increase in credit risk under the terms set out in the Banco de Espańa’s Circular 4/2017.
3 Central de Información de Riesgos del Banco de España.
04.30.2025
In order to guarantee that commercial terms and conditions are maintained for retail customers, SMEs and the self-employed, BBVA commits to:
| ● | Maintaining the commercial terms and conditions in postal codes with fewer than four financial institutions (174 postal codes) [Remedy 5.1]. |
| ● | Furthermore, for SMEs and the self-employed in these postal codes, new loan prices will not exceed the national average for each rating level and financing product that is granted (174 postal codes) [Remedy 5.4]. |
| ● | Maintaining the terms of acquiring services (POS4) contracted by SMEs and self-employed customers with BBVA and/or Banco Sabadell [Remedy 9]. |
Moreover , in line with previous transactions, BBVA has committed to divest certain levels of stakes in payment processing companies (Redsys, Sistema de Tarjetas y Medios de Pago, Bizum and Servired) as mandated by these companies’ bylaws [Remedy 7].
Finally, BBVA has also committed to make the standard customer service channels available to address any issues related to the implementation of the remedies, and has committed to collaborate with the CNMC to confirm proper compliance with all remedies.
CONTACT DETAILS:
BBVA Corporate Communications
Tel. +34 91 374 63 49
comunicacion.corporativa@bbva.com
For more financial information about BBVA visit:
http://shareholdersandinvestors.bbva.com
For more BBVA news visit: https://www.bbva.com
4 Point of sale terminals.
04.30.2025
About BBVA
BBVA is a global financial services group founded in 1857. The bank is present in more than 25 countries, has a strong leadership position in the Spanish market, is the largest financial institution in Mexico and it has leading franchises in South America and Turkey.
BBVA contributes with its activity to the progress and welfare of all its stakeholders: shareholders, clients, employees, providers and society in general. In this regard, BBVA supports families, entrepreneurs and companies in their plans, and helps them to take advantage of the opportunities provided by innovation and technology. Likewise, BBVA offers its customers a unique value proposition, leveraged on technology and data, helping them improve their financial health with personalized information on financial decision-making.
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
File C/1470/24, BBVA / Banco Sabadell
COMMITMENTS
[...]
1. Definitions
| • | Closing of the Proposed Transaction: the transfer to BBVA of the Banco Sabadell shares tendered in the public takeover bid, including all rights inherent to such shares, on the settlement date of said offer, which shall take place after the announcement of the bid result. |
| • | Commitments: the obligations assumed by BBVA in this document, conditional upon the Closing of the Proposed Transaction. |
| • | Competition Directorate: the Competition Directorate of the Spanish Competition and Market Commission (CNMC). |
| • | Merger: a corporate restructuring transaction whereby Banco Sabadell is absorbed and integrated into BBVA, transferring all of Banco Sabadell’s assets and liabilities to BBVA in a single block, resulting in Banco Sabadell’s dissolution. |
| • | Parties: jointly, BBVA and Banco Sabadell. |
| • | SME: an incorporated company operating in Spain that meets the requirements set forth in Annex I of Regulation (EU) No. 651/2014, namely: a commercial company employing less than 250 persons and having either an annual turnover not exceeding EUR 50 million or an annual balance sheet total not exceeding EUR 43 million. |
| • | Resolution: the Resolution issued by the Competition Chamber of the CNMC Board authorizing the Proposed Transaction in the second phase of the merger control procedure, once it becomes effective and enforceable pursuant to Article 58 of the LDC. |
| • | Acquisition of Control: the moment when BBVA appoints a number of members to Banco Sabadell’s Board of Directors corresponding to its acquired majority interest, once the Closing of the Proposed Transaction has taken place. |
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
2. Commitment in relation to Vulnerable Clients
| 2.1. | Further to the Acquisition of Control has occurred, the Parties shall identify their respective clients in Spain for whom sufficient information is available to confirm that they meet the eligibility conditions set forth in section 2.2 (the “Vulnerable Clients”), and shall inform them of the possibility of benefiting from a new product (the “Account for Vulnerable Clients”), as described in section 2.4. For other clients in Spain for whom such information is not available, the Parties shall inform their respective clients of the possibility of contracting this product through their respective websites, email and/or mobile applications, as well as through non-digital means by providing visible information at branches and/or by postal mail, depending on the information available to the Parties regarding said clients. |
| 2.2. | For the purposes of this commitment, Vulnerable Clients shall be understood to be those who meet the following cumulative eligibility conditions: |
| a. | Be a natural person of legal age. |
| b. | Be a client of Banco Sabadell and/or BBVA. |
| c. | Receive: (i) a minimum living income; (ii) unemployment benefits as the sole family income, in an amount lower than EUR 400 per month for two consecutive months; or (iii) a pension as the sole family income, in an amount lower than EUR 600 per month for two consecutive months. |
| d. | Meet the following income and average balance requirements: (i) the sum of the monthly income deposited into the account must be between EUR 5 and EUR 600; and (ii) the average balance of the account holders’ savings must not exceed EUR 2,000. |
| 2.3. | During the term of this commitment, BBVA shall maintain for the Vulnerable Clients the conditions of the Account for Vulnerable Clients as set forth in section 2.4 below. |
| 2.4. | The conditions of the Account for Vulnerable Clients shall include: |
| a. | Opening of a first account with no administration or maintenance fees for the entire term of the contract. |
| b. | Opening of a second account with no administration or maintenance fees. |
| c. | A free debit card. |
| d. | Unlimited number of payment transactions. |
| e. | Free and unlimited domestic transfer operations through digital channels. |
| f. | Waiver of fees for cheque deposits. |
| g. | Free issuance of bank cheques. |
| h. | Free cash withdrawals at branch counters. |
| i. | Free use of the “Correos Cash1” service, up to a maximum of two operations per week, each for an amount under EUR 2,500. |
| j. | Waiver of fees for currency transfer. |
| 1 | Further information about the service is available through the following link. |
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
3. Commitment regarding communications to clients
| 3.1. | When BBVA decides to unify Banco Sabadell’s commercial offering with its own following the Merger, BBVA shall inform the clients originating from Banco Sabadell, prior to its implementation and in a transparent manner, of any changes in the terms and conditions that may apply to the products and services affecting them. In particular, BBVA shall inform the clients originating from Banco Sabadell, prior to the implementation of the changes, of the following: |
| a. | The new fees applicable as a result of any modification to a product or service derived from the unification of the commercial offerings, together with the relevant information regarding the fees applied prior to such change. |
| b. | The effective date of such modification, which shall not be less than 90 days — in the case of individual clients (consumers and self-employed) — and 60 days — in the case of all other clients — from the date of the communication. |
| c. | The BBVA products for which they meet the established eligibility criteria and which are comparable to, or better than, the products they had contracted with Banco Sabadell. |
| d. | The client’s rights in the event of a change in conditions. |
| e. | The client’s freedom to switch to another financial entity. |
| 3.2. | In relation to the communications referred to in section 3.1 above, BBVA shall submit a draft of the communication to the CNMC in advance for its approval, and the CNMC shall confirm its decision to BBVA within 10 business days from the receipt of the draft. |
| 3.3. | In relation to the communications referred to in section 3.1 above, BBVA shall submit a draft of the communication to the CNMC in advance for its approval, and the CNMC shall confirm its decision to BBVA within 10 business days from the receipt of the draft. |
| 3.4. | The commitment shall not apply in the following circumstances: |
| a. | Institutional or advertising campaigns that BBVA carries out broadly to the public or to a segment thereof. |
| b. | Bilateral and individualized communications between clients and BBVA, provided that they in any case comply with the obligations set forth in this commitment. |
| c. | Communications from BBVA directed at large companies. For these purposes, large companies shall be understood as those that exceed the thresholds to be considered SMEs. |
| 3.5. | Following the Acquisition of Control, each Party shall inform its clients, through its respective corporate websites, of the availability of the commercial offering terms of the other Party. To this end, BBVA shall submit a draft of the communication to be published on the corporate websites to the CNMC sufficiently in advance for its approval, and the CNMC shall confirm its decision to BBVA within 10 business days from the receipt of the draft. |
4. Commitment to preserve physical presence in certain territories
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| 4.1. | BBVA undertakes not to discontinue its branch presence (nor replace it with an agent, mobile branch, or ATM) in any of the municipalities listed in Annex 1 where, as a result of the Proposed Transaction, the resulting entity is present and there is only one competing branch. This commitment shall also apply to the eight municipalities identified in Annex 1 where one of the Parties is currently present and no competing branches exist. |
| 4.2. | For the purposes of section 4.1 above, it shall be understood that: |
| a. | The Parties are currently present in those municipalities where they operate a bank branch open to the public on the date of notification of the Resolution. |
| b. | BBVA shall be deemed to have abandoned a municipality if it closes all its bank branches therein as a consequence of the Proposed Transaction. For clarification purposes, the closure of one branch shall not constitute a breach of this commitment in municipalities where two or more branches of the Parties exist on the date on which the CNMC notifies BBVA of the Resolution. |
| 4.3. | BBVA undertakes not to close Banco Sabadell or BBVA branches where there is no other branch of either Party located within a distance of less than 300 meters. |
| 4.4. | BBVA undertakes not to close any Banco Sabadell or BBVA branches located in postal codes where the net per capita income is below EUR 10,000 as of the date of notification of the Resolution, as listed in Annex 2. |
| 4.5. | BBVA undertakes not to close any branches of the Parties in municipalities with fewer than 5,000 inhabitants where at least one of the Parties is present, as listed in Annex 3. |
| 4.6. | BBVA undertakes not to close any of the corporate clients branches currently operated by Banco Sabadell and to maintain specialized relationship managers in those branches to advise this type of clients |
| 4.7. | In those branches of the Parties that are maintained and that offer cashier services, BBVA undertakes to maintain such services during the same operating hours. |
| 4.8. | BBVA undertakes to offer clients holding accounts contracted at branches located in the municipalities identified in Annex 1 the “Correos Cash” service free of charge, up to a maximum of two transactions per week, each for an amount less than EUR 2,500. |
| 4.9. | In the event of any change in the circumstances considered for the inclusion of the municipalities and postal codes in Annexes 1, 2, and 3 that would require their modification, BBVA shall submit a prior request to the Competition Directorate. |
| 4.10. | BBVA undertakes not to close any of the eleven off-premises ATMs identified in Annex 4 that are located in postal codes where there is also a physical Banco Sabadell branch and where only one additional competitor or none is present. Since these ATMs belong to the agent network, this commitment is conditional upon the non-termination of the contractual relationship with the respective agents for a justified cause arising from the agent’s breach of the agreement or from the agent’s decision to terminate the relationship without BBVA being able to find a replacement. Furthermore, once it has access to the relevant information following the Closing of the Proposed Transaction, BBVA undertakes to include within the scope of this commitment any potential off-premises ATMs of Banco Sabadell located in postal codes where there is a BBVA physical branch and only one additional competitor or none is present. |
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| 5. | Commitment regarding the commercial conditions offered in postal codes with high concentration of branches operated by the Parties |
| 5.1. | With respect to natural persons, self-employed, and SMEs who, as of the date of notification of the Resolution (for BBVA clients) and as of the date of the Acquisition of Control (for Banco Sabadell clients), are clients of the branches of the Parties located in the postal codes listed in Annex 5 where, as a result of the Proposed Transaction, only the Parties or at most two competitors in addition to the Parties are present, BBVA undertakes not to modify the terms and conditions of the products and services2 already contracted by these clients (whether from BBVA or Banco Sabadell) under the following terms: |
| a. | For fixed-term products and services, the terms and conditions shall not be modified during the term of the corresponding contract. |
| b. | For indefinite-term products and services, during the term of this commitment, the terms and conditions in force as of the date of notification of the Resolution (including those contracted thereafter, during the term of the commitment) shall not be modified. If, during the term of this commitment, either of the Parties offers more favorable conditions to clients, such more favorable conditions shall be offered to the clients covered by this commitment either by email or by postal mail, depending on the information available to the Parties regarding such clients. |
| 5.2. | With respect to clients (natural persons, self-employed, and SMEs) of the branches of the Parties located in the postal codes listed in Annex 5, BBVA undertakes not to charge fees for carrying out a transaction at the branch counter when such transaction would have been free of charge under the conditions offered by BBVA or Banco Sabadell as of the date of notification of the Resolution. |
| 5.3. | BBVA undertakes to continue maintaining a single national commercial policy for products and pricing for the SME segment. |
| 2 | Commitment 5 does not apply to acquiring services, as these are subject to the specific commitment set out in section 9. |
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| 5.4. | With respect to the new credit flow granted to SMEs and self-employed who are clients of the branches of the Parties located in the postal codes listed in Annex 5, including pre-existing clients, BBVA undertakes not to apply a price exceeding the average price applied by BBVA nationwide for each rating level and financing product. For these purposes, the calculation of the average price shall be made by reference to the prices applied by BBVA nationwide during the previous month for each relevant financing product and rating level, which shall subsequently be used as the maximum reference to ensure compliance with the commitment. Furthermore, for the purposes of this commitment, new credit flow shall mean credit granted from: (i) the date of notification of the Resolution, in the case of BBVA clients; and (ii) the Acquisition of Control, in the case of Banco Sabadell clients. |
| 6. | Commitment regarding transitional access to ATMs |
| 6.1. | Regarding Banco Sabadell’s agreements with the entities affiliated with the EURO 60003 network and with Cardtronics on ATM access, BBVA undertakes that, if such agreements are terminated, it will offer clients of those entities access to the ATMs that were owned by Banco Sabadell prior to the Proposed Transaction under the same financial terms set forth in the aforementioned agreements, for a period of eighteen months from the effective date of communication of the termination of the relevant agreement or, in any event, until the Merger. Should the Merger take place before the end of the eighteen-month period, BBVA undertakes to negotiate a new agreement with these entities under the same terms and conditions for the remaining period up to eighteen months. |
| 6.2. | Regarding the entities with which Banco Sabadell does not have ATM access agreements, and subject to the Acquisition of Control, BBVA undertakes not to modify the fee policy currently applied by Banco Sabadell for cash withdrawals made with cards issued by third parties for a period of eighteen months or, in any event, until the Merger. |
| 3 | Abanca, Ibercaja, Kutxabank, Unicaja, Cajasur, Caixa Ontinyent, and Colonya Caixa Pollença, in accordance with the information available on Banco Sabadell website at the following link. |
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| 7. | Commitment regarding the divestment of excess statutory shareholdings in payment management companies |
| Regarding the following companies, BBVA shall comply with the obligations established in their respective bylaws and shareholders’ agreements within the deadlines and procedures provided therein concerning the divestment of the shareholding percentage held by the BBVA Group that exceeds the limit set forth in such documents, as a result of the acquisition of Banco Sabadell’s shares following the execution of the Proposed Transaction: |
| a. | Redsys Servicios de Procesamiento, S.L., with a shareholding cap of 24.9%, requiring BBVA to divest 9.91%. |
| b. | Sistema de Tarjetas y Medios de Pago, S.A., with a shareholding cap of 25%, requiring BBVA to divest 6.27%. |
| c. | Sociedad de Procedimientos de Pago, S.L. (Bizum), with a shareholding cap of 24%, requiring BBVA to divest 6.06%. |
| d. | Sociedad Española de Medios de Pago, S.A. (ServiRed): BBVA currently holds a 28.71% shareholding and undertakes to divest the excess (indirect) shareholding in ServiRed resulting from the Proposed Transaction down to this cap. |
| 7.1. | If BBVA is unable to carry out the divestment under the terms set forth in the bylaws and the shareholders’ agreements, and for so long as such divestment has not taken place, if ultimately possible, BBVA undertakes not to exercise, under any circumstances, the voting rights attached to the portion of its shareholding derived from Banco Sabadell that exceeds the aforementioned ownership thresholds. |
| 7.2. | BBVA undertakes not to vote in favor of any amendment to the bylaws of the aforementioned companies that may be proposed with the aim of increasing the majority requirements for the approval of resolutions, in order to obtain veto rights that could grant negative control, for a period of three years from the date of the Acquisition of Control. |
| 8. | Commitment on maintain credit facilities |
| 8.1. | BBVA undertakes to maintain the working capital credit lines (including those intended for the import and export of goods) contracted by SMEs with Banco Sabadell as of the date of the Acquisition of Control. For these purposes, working capital credit lines shall be understood as financing products offered to SMEs to meet their short-term liquidity needs, that is, for a term of one year or less. BBVA undertakes to maintain the credit lines and the lines intended for the import and export of goods, with a term of one year or less, contracted by self-employed clients of Banco Sabadell as of the date of the Acquisition of Control. |
| 8.2. | As from the Change of Control, BBVA undertakes to maintain the credit volume granted to SME clients whose CIRBE4 exposure is at least 85% concentrated with BBVA and/or Banco Sabadell. |
| Additionally, in the Autonomous Communities where the market share of the resulting entity exceeds 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 |
| 4 | In 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. |
| 9.2. | During the term of this commitment, BBVA may update the conditions in a justified manner in the following two cases: |
| a. | If there is a change in the applicable regulations relating to interchange fees, resulting in an increase thereof. |
| b. | If there is an increase in the fees or commissions applied by the international payment schemes (Visa and/or Mastercard) to the acquiring activity carried out by the Parties, resulting in a cumulative increase of more than 50% from the date of the Resolution in the costs derived from the fees applied by Visa and/or Mastercard to the acquiring activity. |
| 9.3. | In the two cases contemplated in section 9.2 above, BBVA shall submit the proposed update of conditions to the Competition Directorate for approval prior to its application, and the Competition Directorate shall confirm its decision to BBVA within 30 days from receipt of the proposed update. |
| 9.4. | Temporary promotional conditions are excluded from the scope of this commitment. Therefore, in cases where a client of the Parties is benefiting from a temporary promotional condition related to acquiring services at the time this commitment enters into force, the provision contemplated in section 9.1 above shall refer to the commercial conditions agreed to apply once the promotional condition has expired. In such cases, the adjustment of commercial conditions to |
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| those agreed for application following the end of the temporary promotion shall not constitute a breach of this commitment. |
| 10. | Reporting channel for incidents related to the Commitments |
| 10.1. | BBVA undertakes to make available to clients the usual customer service channels of the Parties to resolve incidents related to the implementation of the Commitments during their term, in particular those set out in sections 5 and 8. In this regard, the channels include: (i) in-person service at physical branches; (ii) telephone service (call center); (iii) customer service department; and (iv) customer ombudsman. For these purposes, BBVA shall inform clients of the availability of these channels via the website and through visible information at the branches. |
| 10.2. | BBVA shall submit to the Competition Directorate a semi-annual report summarizing the incidents received through the channels referred to in section 10.1 arising from the implementation of the Commitments, specifically classifying those incidents related to sections 5 and 8 of the Commitments. BBVA undertakes to have available the incidents received through the channels referred to in section 10.2 so that they can be sent to the Competition Directorate if requested. |
| 11. | Monitoring of compliance with the Commitments |
| 11.1. | BBVA shall cooperate with the CNMC to demonstrate proper compliance with the Commitments. For these purposes, and independently of any information requests that the CNMC may issue, BBVA undertakes to carry out the following actions: |
| a. | Vulnerable Clients: |
| - | Creation of the Vulnerable Clients Account within two months following the Acquisition of Control. |
| - | Send the communication provided for in section 2.1 to clients for whom sufficient information is available, and inform the remaining clients through the means provided for in section 2.1, within 15 business days following the creation of the Vulnerable Clients Account. |
| - | Inform the Competition Directorate of the creation of the Vulnerable Clients Account and of the effective sending of the communication provided for in section 2.1, providing copies of the communications effectively sent and of the information published through the means provided for in section 2.1, within 10 business days. |
| b. | Communications to clients: |
| - | Send to the Competition Directorate, for prior approval, within 15 business days following the unification of the commercial offer, the drafts of communications relating to changes in conditions, in accordance with section 3.2. |
| - | Send to the clients the communications referred to in section 3.2 within 15 business days from receipt of the approval of the draft by the Competition Directorate. |
| - | Inform the Competition Directorate of the effective sending of the communications referred to in section 3.2, providing copies thereof, within 10 business days from their effective sending. |
| - | Send to the Competition Directorate, for prior approval, within 15 business |
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| days following the Acquisition of Control, the draft communication to be published on the respective corporate websites as provided for in section 3.5. |
| - | Communicate through the corporate websites the availability of the commercial offer conditions of the other Party as provided for in section 3.5 within 15 business days from receipt of the approval of the draft by the Competition Directorate |
| - | Submit to the Competition Directorate a quarterly report indicating incidents related to requests for change of entity received through the incident reporting channel provided for in section 10. |
| c. | Branch footprint. Submit to the Competition Directorate an annual report regarding the commitments relating to the closure of branches and off- premises ATMs referred to in sections 4.1, 4.3, 4.4, 4.5, 4.6, and 4.10. |
| d. | Commercial conditions: |
| - | Send to BBVA clients, within 15 business days following the Resolution, and to Banco Sabadell clients, within 30 business days following the Acquisition of Control, the communications relating to the maintenance of conditions, pursuant to section 5.1. |
| - | Inform the Competition Directorate of any communications relating to the maintenance of conditions under section 5.1 that are sent to BBVA clients, following notification of the Resolution, and to Banco Sabadell clients, following the Acquisition of Control, respectively, within 10 business days from the date on which they are effectively sent in each case.. |
| - | Provide the Competition Directorate on a semi-annual basis with the relevant information demonstrating compliance with the commitment contained in sections 5.1 and 5.4 with respect to BBVA clients from the notification of the Resolution, and with respect to Banco Sabadell clients, after the Acquisition of Control. In particular, BBVA shall submit the following information: (i) in relation to section 5.1, the number of clients affected by the commitment, broken down by type of client (individual, self-employed, or SME), product or service family, and branch, along with any variations that may occur during the term of the commitment due to possible client departures or new registrations; and (ii) in relation to section 5.4, all operations formalized in the postal codes listed in Annex 5, identifying the product, its maturity where relevant, the rating level, the volume of credit, the interest rate, and the previous month’s national average interest rate for comparable products. |
| e. | Transitional access to ATMs. In the event of terminating Banco Sabadell’s agreements with the entities affiliated with the EURO 6000 network and with Cardtronics referred to in section 6.1: |
| - | BBVA shall submit to the Competition Directorate a copy of the notification sent to the entities within 10 business days from its dispatch. |
| - | In the event that the Merger occurs before the period of eighteen months, BBVA shall submit to the Competition Directorate a copy of the notification sent to the entities and, if applicable, of the agreement reached, within 10 business days, respectively. |
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| f. | Payment management companies. Inform the Competition Directorate of the effectiveness of the measures referred to in section 7 within 10 business days from the execution of each divestment. Further, if any of the divestments is not possible, BBVA shall inform the Competition Directorate of the measures adopted to comply with the provisions of sections 7.1 and 7.2. |
| g. | Maintain credit facilities: |
| - | Provide the Competition Directorate, following the Acquisition of Control, with the list of: (i) Banco Sabadell clients holding working capital lines, specifying the credit facilities, credit amount, client’s location, and the branch with which the client operates (for the purposes of monitoring Section 8.1); and (ii) clients affected by Section 8.2, indicating each of the financing products they hold, the amount and maturity of each product, the client’s location, and the branch with which the client operates. |
| - | Provide the Competition Directorate, on a semi-annual basis, for each client renewing their credit line, the renewed product and the volume and date of renewal of the credit. In the event that the credit is not renewed, BBVA shall identify the reason: (i) non-renewal of the line by the client; (ii) disappearance of the company; or (iii) denial, and in the latter case, it shall identify which of the three exceptions indicated in section 8.3 would apply to the denial, including a detailed description of the justification. |
| h. | Acquiring services: |
| - | Send to BBVA clients, within 15 business days following the Resolution, and to Banco Sabadell clients, within 30 business days following the Acquisition of Control, the communications relating to the maintenance of conditions, pursuant to section 9.1. |
| - | Inform the Competition Directorate of the communications regarding the maintenance of conditions pursuant to section 9.1 sent to BBVA’s customers after the notification of the Resolution, and to Banco Sabadell’s customers after the Acquisition of Control, respectively, within 10 business days from the effective date of dispatch in each case. |
| - | Provide the Competition Directorate, on a semi-annual basis, with the relevant information evidencing compliance with the commitment set out in section 9.1. In this regard, BBVA shall submit the tariffs applied to each of the clients in this group. |
| - | Send to the Competition Directorate, for prior approval, within 30 days, the proposed updates to the conditions, in accordance with the provisions of sections 9.2 and 9.3. |
| i. | Incident reporting channel. |
| - | Inform BBVA’s clients, within 15 business days following the Resolution, and Banco Sabadell’s clients, within 30 business days following the Acquisition of Control, through the corporate websites and visible information at branches, of the availability |
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| of the channels referred to in section 10.1 for the resolution of potential incidents related to the implementation of the Commitments. |
| - | Submit to the Competition Directorate a copy of the information published on the respective websites and made available at the branches within 10 business days from the date of publication and availability. |
| - | Submit to the Competition Directorate, on a semi-annual basis, a report summarizing the incidents received through the channels referred to in section 10.1 relating to the implementation of the commitments, specifically classifying those incidents relating to sections 5 and 8. |
| 11.2. | BBVA shall submit to the Competition Directorate the first report providing the information referred to in sections 11.1(b), (c), (d), (g), (h), and (i) six months after the Acquisition of Control, including in any case the information relating to BBVA’s clients from the date of notification of the Resolution. |
12. Entry into force of the Commitments
| 12.1. | The Commitments shall enter into force on the date of the Acquisition of Control, except for sections 4, 5, and 9 which, with respect to BBVA, shall enter into force from the date of notification of the Resolution. |
13. Review of the Commitments
| 13.1. | The Board of the CNMC may modify, replace, or withdraw one or more of the obligations set out in the Commitments in response to a reasoned request from BBVA demonstrating the existence of a justified cause. |
| 13.2. | A request made pursuant to the previous paragraph shall not suspend any of the obligations undertaken under these Commitments and, in particular, shall not suspend any of the deadlines for compliance with such obligations until the Board of the CNMC rules on the matter. |
14. Duration of the Commitments
| 14.1. | Vulnerable Clients. The commitment set out in section 2 shall expire three years after the Acquisition of Control. The communication through the website and mobile applications to clients referred to in section 2.1 shall be available throughout the duration of the commitment. |
| 14.2. | Communications to clients. The commitment set out in section 3.1 shall expire eighteen months after the date on which the commercial offer is unified following the Merger. The commitment set out in section 3.5 shall be in force from the Acquisition of Control until the Merger. |
| 14.3. | Branch footprint. The commitments set out in section 4 shall expire three years after the Acquisition of Control. |
| 14.4. | Commercial conditions. The commitments set out in section 5 shall expire three years after the Acquisition of Control. |
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| 14.5. | ATMs. The duration of the commitment set out in section 6.1 shall be eighteen months from the effective date of communication of the termination of the corresponding agreement. The commitment set out in section 6.2 shall expire eighteen months after the Acquisition of Control or upon the Merger, whichever occurs first. |
| 14.6. | Payment services management companies. The commitment set forth in section 7.2 shall expire three years after the Acquisition of Control. |
| 14.7. | Maintenance of credit to SMEs: |
| - | The commitments set out in sections 8.1 and 8.2 shall expire three years after the Acquisition of Control. |
| - | After this period, the CNMC shall assess whether these commitments have achieved the objective of ensuring access to credit for SMEs, for the purpose of determining whether it is necessary to extend these commitments for a maximum of an additional two years. |
| - | For these purposes, at least three months before the end of the initial term, BBVA undertakes to submit to the Competition Directorate an economic report assessing the extent to which the objectives have been achieved, analysing various parameters such as, for example, the evolution of access to credit by the group affected by the commitment compared to the market in general. |
| 14.8. | Acquiring services. The commitments set out in section 9 shall expire three years after the Acquisition of Control. |
| 14.9. | Incident reporting channel. The commitment set out in section 10.2 shall expire three years after the Acquisition of Control. |
| 14.10. | The duration indicated in this section for each of the commitments shall be understood without prejudice to the provisions of section 13.1. |
* * *
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
ANNEX 1
MUNICIPALITIES AFFECTED BY THE COMMITMENT RELATING TO
THE MAINTENANCE OF PHYSICAL PRESENCE
|
Municipalities where one of the Parties is present and there is no competing branch (section 4.1) | ||||||||
| Province | Municipality | BBVA branches | Sabadell branches | |||||
| Alicante | Benitachell/Poble Nou de Benitatxell (El) | 0 | 1 | |||||
| Asturias | Soto del Barco | 0 | 1 | |||||
| Barcelona | Badia del Vallès | 0 | 1 | |||||
|
Castellví de la Marca |
0 |
1 | ||||||
|
Granada (La) |
0 |
1 | ||||||
|
Pla del Penedès (El) |
0 |
1 | ||||||
| León | Onzonilla | 0 | 1 | |||||
| Tarragona | Riba-Roja D’Ebre | 1 | 0 | |||||
|
Municipalities where the Parties and a competitor will be present as a result of the Proposed Transaction (section 4.1) | ||||||||
| Province | Municipality | BBVA branches |
Sabadell branches |
Competitor (branches) | ||||
|
Asturias |
Piloña |
1 |
1 |
Caja R. Asturias (1) | ||||
|
Polinyà |
1 |
2 |
CaixaBank (1) | |||||
|
Abrera |
1 |
1 |
CaixaBank (1) | |||||
|
Alella |
1 |
1 |
CaixaBank (1) | |||||
| Canet De Mar |
1 |
1 |
CaixaBank (1) | |||||
|
Canovelles |
1 |
1 |
CaixaBank (1) | |||||
|
Capellades |
1 |
1 |
CaixaBank (1) | |||||
| Corbera De Llobregat |
1 |
1 |
CaixaBank (1) | |||||
|
Cubelles |
1 |
1 |
CaixaBank (1) | |||||
|
Llagosta (La) |
1 |
1 |
CaixaBank (1) | |||||
| Llinars Del Vallès |
1 |
1 |
CaixaBank (1) | |||||
| Barcelona |
Masquefa |
1 |
1 |
CaixaBank (1) | ||||
|
Matadepera |
1 |
1 |
CaixaBank (1) | |||||
|
Navarcles |
1 |
1 |
CaixaBank (1) | |||||
|
Navàs |
1 |
1 |
CaixaBank (1) | |||||
| Olesa De Montserrat |
1 |
1 |
CaixaBank (2) | |||||
|
Pallejà |
1 |
1 |
CaixaBank (1) | |||||
| Papiol (El) |
1 |
1 |
CaixaBank (1) | |||||
|
Piera |
1 |
1 |
CaixaBank (1) | |||||
|
Puig-Reig |
1 |
1 |
CaixaBank (1) | |||||
|
Sallent |
1 |
1 |
CaixaBank (1) | |||||
| S. Andreu De Llavaneres |
1 |
1 |
CaixaBank (1) | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| S. Esteve Sesrovires |
1 |
1 |
CaixaBank (1) | |||||
| S. Feliu De Codines |
1 |
1 |
CaixaBank (1) | |||||
| S. Fruitós De Bages |
1 |
1 |
CaixaBank (1) | |||||
| S. Joan De Vilatorrada |
1 |
1 |
CaixaBank (1) | |||||
| S. Pere De Ribes |
2 |
2 |
CaixaBank (2) | |||||
| S. Vicenç De Castellet |
1 |
1 |
CaixaBank (1) | |||||
| Sta. Coloma De Cervelló |
1 |
1 |
CaixaBank (1) | |||||
| Sta. Margarida De Montbui |
1 |
1 |
CaixaBank (1) | |||||
| Sta. Margarida I Els Monjos |
1 |
1 |
CaixaBank (1) | |||||
| S. Pedor |
1 |
1 |
CaixaBank (1) | |||||
| Sentmenat |
1 |
1 |
CaixaBank (1) | |||||
| Suria |
1 |
1 |
CaixaBank (1) | |||||
| Teià |
1 |
1 |
CaixaBank (1) | |||||
| Tiana |
1 |
1 |
CaixaBank (1) | |||||
| Vallirana |
1 |
1 |
CaixaBank (1) | |||||
| Vilanova Del Camí |
1 |
1 |
CaixaBank (1) | |||||
| Vilanova Del Vallès |
1 |
1 |
CaixaBank (1) | |||||
| Vilassar De Dalt |
1 |
1 |
CaixaBank (1) | |||||
|
Las Palmas |
Teguise |
1 |
1 |
CaixaBank (3) | ||||
| Arbúcies |
1 |
1 |
CaixaBank (1) | |||||
|
Girona |
Puigcerdà |
1 |
1 |
CaixaBank (1) | ||||
| Castello D’Empuries |
1 |
2 |
CaixaBank (2) | |||||
|
Lleida |
Agramunt |
1 |
1 |
CaixaBank (1) | ||||
|
Tarragona |
Cunit |
1 |
1 |
CaixaBank (1) | ||||
|
Móra D’Ebre |
1 |
1 |
CaixaBank (1) | |||||
|
S. Carles De La Ràpita |
1 |
1 |
CaixaBank (1) | |||||
|
Montroig Del Camp |
2 |
1 |
CaixaBank (2) | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
ANNEX 2
POSTAL CODES AFFECTED BY THE COMMITMENT RELATING TO
THE MAINTENANCE OF PHYSICAL PRESENCE
|
Postal codes where the per capita income level is lower than EUR 10,000 (section 4.4) | ||||||||||
| PC |
Estimated Net Income (€) |
BBVA branches |
Sabadell branches |
Municipality | Province | |||||
|
3206 |
7.691 | 1 | 0 | Elche/Elx | Alicante | |||||
|
4745 |
7.694 | 1 | 0 | Mojonera (La) | Almería | |||||
|
4738 |
8.151 | 1 | 0 | Vicar | Almería | |||||
|
3011 |
8.194 | 0 | 1 | Alicante/Alacant | Alicante | |||||
|
18240 |
8.408 | 1 | 0 | Pinos Puente | Granada | |||||
|
16260 |
8.436 | 1 | 0 | Minglanilla | Cuenca | |||||
|
11404 |
8.461 | 1 | 0 | Jerez de la Frontera | Cádiz | |||||
|
3160 |
8.538 | 1 | 1 | Almoradí | Alicante | |||||
|
30620 |
8.546 | 0 | 1 | Fortuna | Murcia | |||||
|
11550 |
8.553 | 1 | 0 | Chipiona | Cádiz | |||||
|
3177 |
8.590 | 0 | 1 | San Fulgencio | Alicante | |||||
|
29120 |
8.655 | 1 | 1 | Alhaurín El Grande | Málaga | |||||
|
13640 |
8.682 | 1 | 0 | Herencia | Ciudad Real | |||||
|
4760 |
8.687 | 1 | 0 | Berja | Almería | |||||
|
41720 |
8.720 | 1 | 0 | Palacios Y Villafranca (Los) | Sevilla | |||||
|
4130 |
8.725 | 1 | 0 | Almería | Almería | |||||
|
3205 |
8.731 | 1 | 2 | Elche/Elx | Alicante | |||||
|
4770 |
8.731 | 1 | 0 | Adra | Almería | |||||
|
38626 |
8.741 | 2 | 0 | Arona | Sta. Cruz de Tenerife | |||||
|
38650 |
8.741 | 2 | 1 | Arona | Sta. Cruz de Tenerife | |||||
|
38631 |
8.741 | 1 | 0 | Arona | Sta. Cruz de Tenerife | |||||
|
38640 |
8.741 | 0 | 1 | Arona | Sta. Cruz de Tenerife | |||||
|
3170 |
8.802 | 1 | 2 | Rojales | Alicante | |||||
|
3150 |
8.828 | 1 | 1 | Dolores | Alicante | |||||
|
41320 |
8.837 | 1 | 0 | Cantillana | Sevilla | |||||
|
4710 |
8.842 | 1 | 0 | Ejido (El) | Almería | |||||
|
4700 |
8.842 | 1 | 1 | Ejido (El) | Almería | |||||
|
4740 |
8.845 | 1 | 1 | Roquetas De Mar | Almería | |||||
|
11540 |
8.849 | 1 | 1 | Sanlúcar De Barrameda | Cádiz | |||||
|
3188 |
8.857 | 1 | 1 | Torrevieja | Alicante | |||||
|
3180 |
8.857 | 1 | 0 | Torrevieja | Alicante | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
|
3185 |
8.857 | 1 | 0 | Torrevieja | Alicante | |||||
|
3184 |
8.857 | 0 | 1 | Torrevieja | Alicante | |||||
|
3181 |
8.857 | 0 | 3 | Torrevieja | Alicante | |||||
|
3183 |
8.857 | 0 | 1 | Torrevieja | Alicante | |||||
|
3182 |
8.857 | 0 | 1 | Torrevieja | Alicante | |||||
|
21410 |
8.864 | 1 | 0 | Isla Cristina | Huelva | |||||
|
30130 |
8.867 | 1 | 1 | Beniel | Murcia | |||||
|
14720 |
8.869 | 1 | 0 | Almodóvar Del Río | Córdoba | |||||
|
11408 |
8.881 | 1 | 0 | Jerez De La Frontera | Cádiz | |||||
|
29793 |
8.889 | 1 | 0 | Torrox | Málaga | |||||
|
18360 |
8.898 | 1 | 0 | Huétor Tajar | Granada | |||||
|
11160 |
8.912 | 1 | 0 | Barbate | Cádiz | |||||
|
41840 |
8.922 | 1 | 0 | Pilas | Sevilla | |||||
|
3012 |
8.934 | 1 | 2 | Alicante/Alacant | Alicante | |||||
|
38683 |
8.952 | 1 | 0 | Santiago Del Teide | Sta. Cruz de Tenerife | |||||
|
30580 |
9.009 | 0 | 1 | Murcia | Murcia | |||||
|
11630 |
9.016 | 1 | 0 | Arcos De La Frontera | Cádiz | |||||
|
6007 |
9.019 | 1 | 0 | Badajoz | Badajoz | |||||
|
3369 |
9.019 | 0 | 1 | Rafal | Alicante | |||||
|
3158 |
9.028 | 0 | 1 | Catral | Alicante | |||||
|
11150 |
9.062 | 1 | 0 | Vejer De La Frontera | Cádiz | |||||
|
21730 |
9.083 | 1 | 0 | Almonte | Huelva | |||||
|
38620 |
9.083 | 1 | 1 | San Miguel De Abona | Sta. Cruz de Tenerife | |||||
|
3669 |
9.093 | 0 | 1 | Romana (La) | Alicante | |||||
|
4630 |
9.094 | 1 | 0 | Garrucha | Almería | |||||
|
3204 |
9.104 | 1 | 3 | Elche/Elx | Alicante | |||||
|
6510 |
9.130 | 1 | 0 | Alburquerque | Badajoz | |||||
|
30320 |
9.169 | 0 | 1 | Fuente Álamo De Murcia | Murcia | |||||
|
45510 |
9.179 | 1 | 0 | Fuensalida | Toledo | |||||
|
3650 |
9.189 | 0 | 1 | Pinós (El)/Pinoso | Alicante | |||||
|
11170 |
9.192 | 1 | 0 | Medina Sidonia | Cádiz | |||||
|
30870 |
9.192 | 1 | 1 | Mazarrón | Murcia | |||||
|
30860 |
9.192 | 1 | 1 | Mazarrón | Murcia | |||||
|
41100 |
9.200 | 1 | 0 | Coria Del Rio | Sevilla | |||||
|
3340 |
9.207 | 1 | 1 | Albatera | Alicante | |||||
|
23710 |
9.209 | 1 | 0 | Bailen | Jaén | |||||
|
29100 |
9.218 | 1 | 0 | Coín | Málaga | |||||
|
38660 |
9.224 | 2 | 1 | Adeje | Sta. Cruz de Tenerife | |||||
|
38670 |
9.224 | 1 | 0 | Adeje | Sta. Cruz de Tenerife | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
|
41804 |
9.236 | 1 | 0 | Olivares | Sevilla | |||||
|
13670 |
9.244 | 1 | 0 | Villarrubia De Los Ojos | Ciudad Real | |||||
|
13240 |
9.246 | 1 | 0 | Solana (La) | Ciudad Real | |||||
|
13260 |
9.260 | 1 | 0 | Bolaños De Calatrava | Ciudad Real | |||||
|
14120 |
9.276 | 1 | 0 | Fuente Palmera | Córdoba | |||||
|
41006 |
9.277 | 3 | 0 | Sevilla | Sevilla | |||||
|
3330 |
9.281 | 1 | 2 | Crevillent | Alicante | |||||
|
18850 |
9.291 | 1 | 0 | Cúllar | Granada | |||||
|
38680 |
9.292 | 1 | 0 | Guía De Isora | Sta. Cruz de Tenerife | |||||
|
38687 |
9.292 | 1 | 0 | Guía De Isora | Sta. Cruz de Tenerife | |||||
|
4610 |
9.297 | 1 | 0 | Cuevas Del Almanzora | Almería | |||||
|
21440 |
9.321 | 1 | 0 | Lepe | Huelva | |||||
|
38430 |
9.324 | 2 | 0 | Icod De Los Vinos | Sta. Cruz de Tenerife | |||||
|
3187 |
9.326 | 0 | 1 | Montesinos (Los) | Alicante | |||||
|
41440 |
9.328 | 1 | 0 | Lora Del Rio | Sevilla | |||||
|
29670 |
9.364 | 1 | 3 | Marbella | Málaga | |||||
|
14850 |
9.364 | 1 | 0 | Baena | Córdoba | |||||
|
30700 |
9.369 | 1 | 2 | Torre-Pacheco | Murcia | |||||
|
3360 |
9.372 | 1 | 1 | Callosa De Segura | Alicante | |||||
|
29590 |
9.374 | 1 | 0 | Málaga | Málaga | |||||
|
28982 |
9.380 | 0 | 1 | Parla | Madrid | |||||
|
35013 |
9.385 | 1 | 0 | Palmas De Gran Canaria (Las) | Las Palmas | |||||
|
21005 |
9.391 | 1 | 0 | Huelva | Huelva | |||||
|
30360 |
9.393 | 1 | 1 | Unión (La) | Murcia | |||||
|
29003 |
9.395 | 1 | 0 | Málaga | Málaga | |||||
|
38612 |
9.409 | 1 | 0 | Granadilla De Abona | Sta. Cruz de Tenerife | |||||
|
38600 |
9.409 | 1 | 0 | Granadilla De Abona | Sta. Cruz de Tenerife | |||||
|
38611 |
9.409 | 1 | 0 | Granadilla De Abona | Sta. Cruz de Tenerife | |||||
|
29649 |
9.421 | 1 | 2 | Mijas | Málaga | |||||
|
30740 |
9.425 | 1 | 1 | San Pedro Del Pinatar | Murcia | |||||
|
18300 |
9.445 | 1 | 0 | Loja | Granada | |||||
|
35660 |
9.446 | 1 | 0 | Oliva (La) | Las Palmas | |||||
|
35640 |
9.446 | 0 | 1 | Oliva (La) | Las Palmas | |||||
|
11650 |
9.456 | 1 | 0 | Villamartín | Cádiz | |||||
|
6470 |
9.462 | 1 | 0 | Guareña | Badajoz | |||||
|
30520 |
9.471 | 1 | 1 | Jumilla | Murcia | |||||
|
6100 |
9.477 | 1 | 0 | Olivenza | Badajoz | |||||
|
14920 |
9.478 | 1 | 0 | Aguilar De La Frontera | Córdoba | |||||
|
13630 |
9.481 | 1 | 0 | Socuéllamos | Ciudad Real | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
|
38480 |
9.496 | 1 | 0 | Buenavista Del Norte | Sta. Cruz de Tenerife | |||||
|
3726 |
9.499 | 0 | 1 | Benitachell/Poble Nou De Benitatxell (El) | Alicante | |||||
|
30710 |
9.501 | 1 | 1 | Alcázares (Los) | Murcia | |||||
|
29601 |
9.510 | 0 | 2 | Marbella | Málaga | |||||
|
38380 |
9.519 | 1 | 0 | Victoria De Acentejo (La) | Sta. Cruz de Tenerife | |||||
|
14640 |
9.521 | 1 | 0 | Villa Del Rio | Córdoba | |||||
|
6830 |
9.521 | 1 | 0 | Zarza (La) | Badajoz | |||||
|
41520 |
9.532 | 1 | 0 | Viso Del Alcor (El) | Sevilla | |||||
|
41740 |
9.537 | 1 | 0 | Lebrija | Sevilla | |||||
|
26559 |
9.537 | 1 | 0 | Aldeanueva De Ebro | La Rioja | |||||
|
14700 |
9.542 | 1 | 0 | Palma Del Rio | Córdoba | |||||
|
35610 |
9.542 | 0 | 1 | Antigua | Las Palmas | |||||
|
6260 |
9.550 | 1 | 0 | Monesterio | Badajoz | |||||
|
35110 |
9.579 | 1 | 1 | Santa Lucia De Tirajana | Las Palmas | |||||
|
18230 |
9.582 | 1 | 0 | Atarfe | Granada | |||||
|
35120 |
9.587 | 1 | 0 | Mogán | Las Palmas | |||||
|
35130 |
9.587 | 1 | 0 | Mogán | Las Palmas | |||||
|
29580 |
9.606 | 1 | 0 | Cártama | Málaga | |||||
|
18690 |
9.611 | 1 | 1 | Almuñécar | Granada | |||||
|
3640 |
9.613 | 1 | 1 | Monóvar/Monover | Alicante | |||||
|
18320 |
9.625 | 1 | 0 | Santa Fe | Granada | |||||
|
45210 |
9.646 | 1 | 0 | Yuncos | Toledo | |||||
|
3013 |
9.650 | 1 | 0 | Alicante/Alacant | Alicante | |||||
|
30170 |
9.654 | 0 | 1 | Mula | Murcia | |||||
|
13700 |
9.663 | 1 | 1 | Tomelloso | Ciudad Real | |||||
|
30890 |
9.669 | 0 | 1 | Puerto Lumbreras | Murcia | |||||
|
41600 |
9.670 | 1 | 0 | Arahal | Sevilla | |||||
|
3009 |
9.671 | 1 | 1 | Alicante/Alacant | Alicante | |||||
|
3510 |
9.672 | 0 | 1 | Callosa D’en Sarria | Alicante | |||||
|
30169 |
9.673 | 0 | 1 | Murcia | Murcia | |||||
|
3350 |
9.676 | 1 | 1 | Cox | Alicante | |||||
|
30430 |
9.687 | 1 | 0 | Cehegín | Murcia | |||||
|
3112 |
9.695 | 1 | 0 | Alicante/Alacant | Alicante | |||||
|
29640 |
9.696 | 5 | 4 | Fuengirola | Málaga | |||||
|
45300 |
9.702 | 1 | 0 | Ocaña | Toledo | |||||
|
14800 |
9.706 | 1 | 0 | Priego De Córdoba | Córdoba | |||||
|
14600 |
9.715 | 1 | 0 | Montoro | Córdoba | |||||
|
3006 |
9.721 | 1 | 1 | Alicante/Alacant | Alicante | |||||
|
14270 |
9.736 | 1 | 0 | Hinojosa Del Duque | Córdoba | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
|
14100 |
9.741 | 1 | 0 | Carlota (La) | Córdoba | |||||
|
2400 |
9.742 | 1 | 1 | Hellín | Albacete | |||||
|
6480 |
9.742 | 1 | 0 | Montijo | Badajoz | |||||
|
38417 |
9.744 | 1 | 0 | Realejos (Los) | Sta. Cruz de Tenerife | |||||
|
38410 |
9.744 | 1 | 0 | Realejos (Los) | Sta. Cruz de Tenerife | |||||
|
14900 |
9.746 | 1 | 1 | Lucena | Córdoba | |||||
|
38770 |
9.747 | 1 | 0 | Tazacorte | Sta. Cruz de Tenerife | |||||
|
30540 |
9.748 | 0 | 1 | Blanca | Murcia | |||||
|
41400 |
9.777 | 1 | 0 | Écija | Sevilla | |||||
|
29780 |
9.779 | 1 | 2 | Nerja | Málaga | |||||
|
14960 |
9.789 | 1 | 0 | Rute | Córdoba | |||||
|
6230 |
9.792 | 1 | 0 | Santos De Maimona (Los) | Badajoz | |||||
|
35625 |
9.798 | 1 | 0 | Pájara | Las Palmas | |||||
|
38108 |
9.799 | 3 | 0 | San Cristóbal De La Laguna | Sta. Cruz de Tenerife | |||||
|
23300 |
9.799 | 1 | 0 | Villacarrillo | Jaén | |||||
|
23770 |
9.804 | 1 | 0 | Marmolejo | Jaén | |||||
|
6200 |
9.804 | 1 | 0 | Almendralejo | Badajoz | |||||
|
6490 |
9.804 | 1 | 0 | Puebla De La Calzada | Badajoz | |||||
|
14500 |
9.807 | 1 | 1 | Puente Genil | Córdoba | |||||
|
3580 |
9.812 | 2 | 2 | Alfas Del Pi (L’) | Alicante | |||||
|
5230 |
9.813 | 1 | 0 | Navas Del Marqués (Las) | Ávila | |||||
|
30385 |
9.832 | 1 | 0 | Cartagena | Murcia | |||||
|
30600 |
9.833 | 1 | 1 | Archena | Murcia | |||||
|
30833 |
9.839 | 0 | 1 | Murcia | Murcia | |||||
|
21400 |
9.844 | 1 | 1 | Ayamonte | Huelva | |||||
|
28053 |
9.845 | 1 | 0 | Madrid | Madrid | |||||
|
30579 |
9.850 | 0 | 1 | Murcia | Murcia | |||||
|
25100 |
9.861 | 1 | 1 | Almacelles | Lleida | |||||
|
3294 |
9.863 | 0 | 1 | Elche/Elx | Alicante | |||||
|
41710 |
9.871 | 1 | 0 | Utrera | Sevilla | |||||
|
4620 |
9.872 | 1 | 1 | Vera | Almería | |||||
|
3680 |
9.874 | 1 | 1 | Aspe | Alicante | |||||
|
29014 |
9.876 | 1 | 0 | Málaga | Málaga | |||||
|
14730 |
9.877 | 1 | 0 | Posadas | Córdoba | |||||
|
41920 |
9.878 | 1 | 0 | San Juan De Aznalfarache | Sevilla | |||||
|
6220 |
9.882 | 1 | 0 | Villafranca De Los Barros | Badajoz | |||||
|
6140 |
9.908 | 1 | 0 | Talavera La Real | Badajoz | |||||
|
3710 |
9.916 | 1 | 1 | Calp | Alicante | |||||
|
41620 |
9.921 | 1 | 0 | Marchena | Sevilla | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
|
45800 |
9.922 | 1 | 0 | Quintanar De La Orden | Toledo | |||||
|
3520 |
9.926 | 0 | 1 | Polop | Alicante | |||||
|
11300 |
9.928 | 2 | 1 | Línea De La Concepción(La) | Cádiz | |||||
|
3380 |
9.928 | 0 | 1 | Bigastro | Alicante | |||||
|
3300 |
9.933 | 1 | 3 | Orihuela | Alicante | |||||
|
3189 |
9.933 | 1 | 3 | Orihuela | Alicante | |||||
|
3315 |
9.933 | 0 | 1 | Orihuela | Alicante | |||||
|
3190 |
9.935 | 1 | 1 | Pilar De La Horadada | Alicante | |||||
|
14009 |
9.935 | 1 | 0 | Córdoba | Córdoba | |||||
|
11401 |
9.959 | 1 | 0 | Jerez De La Frontera | Cádiz | |||||
|
3320 |
9.965 | 0 | 1 | Elche/Elx | Alicante | |||||
|
30850 |
9.969 | 1 | 1 | Totana | Murcia | |||||
|
21450 |
9.971 | 1 | 0 | Cartaya | Huelva | |||||
|
3600 |
9.980 | 1 | 3 | Elda | Alicante | |||||
|
35580 |
9.982 | 1 | 1 | Yaiza | Las Palmas | |||||
|
35500 |
9.986 | 2 | 0 | Arrecife | Las Palmas | |||||
|
35470 |
9.991 | 1 | 0 | Aldea De San Nicolas (La) | Las Palmas | |||||
|
41800 |
9.995 | 1 | 0 | Sanlúcar La Mayor | Sevilla | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
ANNEX 3
ADDITIONAL MUNICIPALITIES AFFECTED BY THE COMMITMENT
TO MAINTAIN PHYSICAL PRESENCE
|
Municipalities with fewer than 5,000 inhabitants where at least one of the Parties is present (section 4.5) | ||||||||
| Municipality | Province | Population | BBVA branches |
Sabadell branches | ||||
| Elciego | Álava | 953 | 1 | |||||
| Laguardia | Álava | 1.491 | 1 | |||||
| Casas-Ibáñez | Albacete | 4.563 | 1 | |||||
| Benitachell/Poble Nou de Benitatxell | Alicante | 4.959 | 1 | |||||
| Biar | Alicante | 3.634 | 1 | |||||
| Xaló | Alicante | 3.073 | 1 | |||||
| Orba | Alicante | 2.413 | 1 | |||||
| Rafal | Alicante | 4.867 | 1 | |||||
| Romana (La) | Alicante | 2.680 | 1 | |||||
| Barco De Ávila | Ávila | 2.307 | 1 | |||||
| Alburquerque | Badajoz | 4.995 | 1 | |||||
| Fregenal de la Sierra | Badajoz | 4.740 | 1 | |||||
| Monesterio | Badajoz | 4.233 | 1 | |||||
| Zarza (la) | Badajoz | 3.350 | 1 | |||||
| Avinyonet del Penedès | Barcelona | 1.745 | 1 | |||||
| Aiguafreda | Barcelona | 2.582 | 1 | |||||
| Bagà | Barcelona | 2.181 | 1 | |||||
| Balenyà | Barcelona | 3.999 | 1 | |||||
| Calaf | Barcelona | 3.595 | 1 | |||||
| Calldetenes | Barcelona | 2.690 | 1 | |||||
| Cardona | Barcelona | 4.566 | 1 | |||||
| Castellví de la Marca | Barcelona | 1.714 | 1 | |||||
| Granada (la) | Barcelona | 2.263 | 1 | |||||
| Guardiola de Berguedà | Barcelona | 951 | 1 | |||||
| Martorelles | Barcelona | 4.984 | 1 | |||||
| Papiol (el) | Barcelona | 4.358 | 1 | 1 | ||||
| Pla del Penedès (el) | Barcelona | 1.352 | 1 | |||||
| Pobla de Claramunt (la) | Barcelona | 2.356 | 1 | |||||
| Prats de Lluçanès | Barcelona | 2.696 | 1 | |||||
| Puig-reig | Barcelona | 4.482 | 1 | 1 | ||||
| Sant Climent de Llobregat | Barcelona | 4.181 | 1 | |||||
| Sant Hipòlit de Voltregà | Barcelona | 3.684 | 1 | |||||
| Sant Julià de Vilatorta | Barcelona | 3.300 | 1 | |||||
| Sant Martí Sarroca | Barcelona | 3.385 | 1 | |||||
| Sant Pere de Riudebitlles | Barcelona | 2.495 | 1 | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| Sant Quinti De Mediona | Barcelona | 2.511 | 1 | |||||
| Sant Quirze De Besora | Barcelona | 2.127 | 1 | |||||
| Lerma | Burgos | 2.570 | 1 | |||||
| Roa | Burgos | 2.298 | 1 | |||||
| Villanueva De Los Infantes | Ciudad Real | 4.758 | 1 | |||||
| Val Do Dubra | La Coruña | 3.751 | 1 | |||||
| Honrubia | Cuenca | 1.549 | 1 | |||||
| Minglanilla | Cuenca | 2.352 | 1 | |||||
| Alp | Gerona | 1.727 | 1 | |||||
| Begur | Gerona | 4.227 | 1 | |||||
| Besalú | Gerona | 2.577 | 1 | |||||
| Cadaqués | Gerona | 2.894 | 1 | |||||
| Camprodon | Gerona | 2.521 | 1 | |||||
| Hostalric | Gerona | 4.443 | 1 | |||||
| Jonquera (La) | Gerona | 3.361 | 1 | |||||
| Ribes De Freser | Gerona | 1.846 | 1 | |||||
| Vall D’en Bas (La) | Gerona | 3.221 | 1 | |||||
| Cúllar | Granada | 3.937 | 1 | |||||
| Molina De Aragón | Guadalajara | 3.352 | 1 | |||||
| Sigüenza | Guadalajara | 4.778 | 1 | |||||
| Benasque | Huesca | 2.366 | 1 | |||||
| Graus | Huesca | 3.369 | 1 | |||||
| Sariñena | Huesca | 4.096 | 1 | |||||
| Aínsa-Sobrarbe | Huesca | 2.306 | 1 | |||||
| Boñar | León | 1.765 | 1 | |||||
| Cacabelos | León | 4.749 | 1 | 1 | ||||
| Camponaraya | León | 4.109 | 1 | |||||
| Cistierna | León | 2.903 | 1 | |||||
| Fabero | León | 4.057 | 1 | |||||
| Onzonilla | León | 1.945 | 1 | |||||
| Robla (la) | León | 3.629 | 1 | |||||
| Sahagún | León | 2.393 | 1 | |||||
| Santa Maria Del Paramo | León | 3.005 | 1 | |||||
| Villafranca Del Bierzo | León | 2.679 | 1 | 1 | ||||
| Villarejo De Orbigo | León | 2.877 | 1 | 1 | ||||
| Albatàrrech | Lérida | 2.247 | 1 | |||||
| Artesa De Segre | Lérida | 3.519 | 1 | |||||
| Aitona | Lérida | 2.575 | 1 | |||||
| Isona I Conca Dellà | Lérida | 1.042 | 1 | |||||
| Juneda | Lérida | 3.523 | 1 | |||||
| Linyola | Lérida | 2.737 | 1 | |||||
| Oliana | Lérida | 1.828 | 1 | |||||
| Organyà | Lérida | 809 | 1 | |||||
| Pobla De Segur (La) | Lérida | 3.043 | 1 | |||||
| Ponts | Lérida | 2.670 | 1 | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| Torrefarrera | Lérida | 4.904 | 1 | |||||
| Aldeanueva De Ebro | La Rioja | 2.714 | 1 | |||||
| Cenicero | La Rioja | 2.098 | 1 | |||||
| Ezcaray | La Rioja | 2.090 | 1 | |||||
| Pradejón | La Rioja | 3.735 | 1 | |||||
| Rincón De Soto | La Rioja | 4.035 | 1 | |||||
| Becerreá | Lugo | 2.694 | 1 | 1 | ||||
| Fonsagrada (a) | Lugo | 3.138 | 1 | |||||
| Mondoñedo | Lugo | 3.353 | 1 | |||||
| Pantón | Lugo | 2.346 | 1 | |||||
| Ajalvir | Madrid | 4.946 | 1 | |||||
| Torrelaguna | Madrid | 4.992 | 1 | |||||
| Lodosa | Pamplona | 4.909 | 1 | |||||
| Bera | Pamplona | 3.790 | 1 | |||||
| Ribadavia | Orense | 4.944 | 1 | |||||
| Rua (a) | Orense | 4.221 | 1 | |||||
| Allande | Asturias | 1.531 | 1 | |||||
| Boal | Asturias | 1.380 | 1 | |||||
| Colunga | Asturias | 3.162 | 1 | |||||
| Cudillero | Asturias | 4.922 | 1 | 1 | ||||
| Salas | Asturias | 4.789 | 1 | |||||
| Soto del Barco | Asturias | 3.813 | 1 | |||||
| Tapia de Casariego | Asturias | 3.571 | 1 | |||||
| Vegadeo | Asturias | 3.931 | 1 | |||||
| Saldaña | Palencia | 2.877 | 1 | |||||
| Buenavista del Norte | Santa Cruz de Tenerife |
4.692 | 1 | |||||
| Frontera | Santa Cruz de Tenerife |
4.525 | 1 | |||||
| San Andrés y Sauces | Santa Cruz de Tenerife |
4.298 | 1 | |||||
| Tazacorte | Santa Cruz de Tenerife |
4.528 | 1 | |||||
| Ramales de la Victoria | Cantabria | 3.055 | 1 | |||||
| San Vicente de la Barquera | Cantabria | 3.985 | 1 | |||||
| Cantalejo | Segovia | 3.554 | 1 | |||||
| Sangarcía | Segovia | 279 | 1 | |||||
| Asco | Tarragona | 1.609 | 1 | |||||
| Falset | Tarragona | 2.875 | 1 | |||||
| Flix | Tarragona | 3.323 | 1 | |||||
| Gandesa | Tarragona | 3.160 | 1 | |||||
| Morell (el) | Tarragona | 3.851 | 1 | |||||
| Pla De Santa Maria (el) | Tarragona | 2.391 | 1 | |||||
| Riba-Roja D’ebre | Tarragona | 1.126 | 1 | |||||
| Santa Coloma De Queralt | Tarragona | 2.823 | 1 | |||||
| Villafranca De Los Caballeros | Toledo | 4.927 | 1 | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| Albalat De La Ribera | Valencia | 3.462 | 1 | |||||
| Corbera | Valencia | 3.174 | 1 | |||||
| Pobla Llarga (la) | Valencia | 4.567 | 1 | |||||
| Vallada | Valencia | 3.096 | 1 | |||||
| Medina De Rioseco | Valladolid | 4.545 | 1 | |||||
| Olmedo | Valladolid | 3.576 | 1 | |||||
| Portillo | Valladolid | 2.390 | 1 | |||||
| Ugao-Miraballes | Vizcaya | 4.176 | 1 | |||||
| Urduña/Orduña | Vizcaya | 4.202 | 1 | |||||
| Plentzia | Vizcaya | 4.392 | 1 | |||||
| Igorre | Vizcaya | 4.329 | 1 | |||||
| Zaldibar | Vizcaya | 3.018 | 1 | |||||
| Sondika | Vizcaya | 4.584 | 1 | |||||
| Zamudio | Vizcaya | 3.312 | 1 | |||||
| Puebla De Sanabria | Zamora | 1.371 | 1 | |||||
| Villalpando | Zamora | 1.396 | 1 | |||||
| Fuentes De Ebro | Zaragoza | 4.656 | 1 | |||||
| Illueca | Zaragoza | 2.721 | 1 | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
ANNEX 4
DISPLACED BBVA ATMs AFFECTED BY THE COMMITMENT TO
MAINTAIN PHYSICAL PRESENCE
|
Displaced BBVA ATMs (section 4.9)
| ||||||||
| Address | Municipality | Province | Postal Code | |||||
| Carrer Nou, 41 | Sant Pere De Riudebitlles | Barcelona | 08776 | |||||
| Carrer de Ramón i Cajal, 3 | Sant Quinti De Mediona | Barcelona | 08777 | |||||
| Plaça Catalunya, 3 | Llagostera | Girona | 17240 | |||||
| Av. Costa Brava, 12 | Tossa | Girona | 17320 | |||||
| Carrer Rafael Estela, 6 | Llançà | Girona | 17490 | |||||
| Carrer València, 4 | Camprodón | Girona | 17867 | |||||
| Av. de la Reconquista, 1 | Colunga | Asturias | 33320 | |||||
| Av. Asturias, 2 | Avilés | Asturias | 33401 | |||||
| Av. Asturias, S/N | Boal | Asturias | 33720 | |||||
| Passeig de la Muralla, 56 | Santa Coloma De Queralt | Tarragona | 43420 | |||||
| Carrer de Baix, 13 | Falset | Tarragona | 43730 | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
ANNEX 5
POSTAL CODES AFFECTED BY THE COMMITMENT RELATING TO
COMMERCIAL CONDITIONS
| Postal codes where only the Parties will be present (section 5) | ||||||||
| Province | PC and municipality | BBVA branches | Sabadell branches | |||||
| Alicante | 03008 Alicante | 1 | 1 | |||||
|
03188 Torrevieja |
1 | 1 | ||||||
| Barcelona | 08203 Sabadell | 1 | 1 | |||||
|
08205 Sabadell |
1 | 1 | ||||||
| Las Palmas | 35580 Yaiza | 1 | 1 | |||||
| Madrid | 28906 Getafe | 1 | 1 | |||||
| Zamora | 49003 Zamora | 1 | 1 | |||||
| Postal codes where the Parties and a competitor will be present (section 5) | ||||||||
| Province | PC and municipality | BBVA branches |
Sabadell branches |
Competitor (branches) | ||||
|
Alicante |
03803 Alcoy | 1 | 1 | CaixaBank (1) | ||||
| 03012 Alicante |
1 |
2 |
Santander (1) | |||||
| 03009 Alicante |
1 |
1 |
Cajamar (1) | |||||
| 03205 Elche/Elx | 1 | 2 | Santander (1) | |||||
|
Asturias |
33401 Avilés |
1 |
1 |
Cajamar (1) | ||||
| 33150 Cudillero |
1 |
1 |
Unicaja (1) | |||||
| 33530 Piloña | 1 | 1 | Caja R. De Asturias (1) | |||||
| Barcelona |
08012 Barcelona |
1 |
2 |
CaixaBank (3) | ||||
| 08042 Barcelona |
1 |
2 |
CaixaBank (5) | |||||
| 08120 Barcelona |
1 |
1 |
CaixaBank (1) | |||||
| 08328 Alella |
1 |
1 |
CaixaBank (1) | |||||
| 08360 Canet De Mar |
1 |
1 |
CaixaBank (1) | |||||
| 08420 Canovelles |
1 |
1 |
CaixaBank (1) | |||||
| 08786 Capellades |
1 |
1 |
CaixaBank (1) | |||||
| 08757 Corbera De Llobregat |
1 |
1 |
CaixaBank (1) | |||||
| 08880 Cubelles |
1 |
1 |
CaixaBank (1) | |||||
| 08450 Llinars Del Vallès |
1 |
1 |
CaixaBank (1) | |||||
| 08783 Masquefa |
1 |
1 |
CaixaBank (1) | |||||
| 08230 Matadepera |
1 |
1 |
CaixaBank (1) | |||||
| 08270 Navarcles |
1 |
1 |
CaixaBank (1) | |||||
| 08670 Navàs |
1 |
1 |
CaixaBank (1) | |||||
| 08640 Olesa De Montserrat |
1 |
1 |
CaixaBank (1) | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| 08780 Pallejà |
1 |
1 |
CaixaBank (1) | |||||
| 08754 Papiol (El) |
1 |
1 |
CaixaBank (1) | |||||
| 08213 Polinyà |
1 |
1 |
CaixaBank (1) | |||||
| 08692 Puig-Reig |
1 |
1 |
CaixaBank (1) | |||||
| 08201 Sabadell |
2 |
5 |
CaixaBank (3) | |||||
| 08204 Sabadell |
1 |
1 |
CaixaBank (1) | |||||
| 08206 Sabadell |
2 |
1 |
CaixaBank (3) | |||||
| 08650 Sallent |
1 |
1 |
CaixaBank (1) | |||||
| 08392 S. Andreu De Llavaneres |
1 |
1 |
CaixaBank (1) | |||||
| 08635 S. Esteve Sesrovires |
1 |
1 |
CaixaBank (1) | |||||
| 08182 S. Feliu De Codines |
1 |
1 |
CaixaBank (1) | |||||
| 08272 S. Fruitós De Bages |
1 |
1 |
CaixaBank (1) | |||||
| 08250 S. Joan De Vilatorrada |
1 |
1 |
CaixaBank (1) | |||||
| 08810 S. Pere De Ribes |
1 |
1 |
CaixaBank (1) | |||||
| 08812 S. Pere De Ribes |
1 |
1 |
CaixaBank (1) | |||||
| 08295 S. Vicenç De Castellet |
1 |
1 |
CaixaBank (1) | |||||
| 08690 S. Coloma De Cervelló |
1 |
1 |
CaixaBank (1) | |||||
| 08924 S. Coloma De Gramenet |
1 |
1 |
CaixaBank (1) | |||||
| 08710 S. Margarida De Montbui |
1 |
1 |
CaixaBank (1) | |||||
| 08730 S. Margarida I Els Monjos |
1 |
1 |
CaixaBank (1) | |||||
| 08251 Santpedor |
1 |
1 |
CaixaBank (1) | |||||
| 08181 Sentmenat |
1 |
1 |
CaixaBank (1) | |||||
| 08260 Suria |
1 |
1 |
CaixaBank (1) | |||||
| 08329 Teià |
1 |
1 |
CaixaBank (1) | |||||
| 08223 Terrassa |
1 |
1 |
CaixaBank (1) | |||||
| 08391 Tiana |
1 |
1 |
CaixaBank (1) | |||||
| 08759 Vallirana |
1 |
1 |
CaixaBank (1) | |||||
| 08788 Vilanova Del Camí |
1 |
1 |
CaixaBank (1) | |||||
| 08410 Vilanova Del Vallès |
1 |
1 |
CaixaBank (1) | |||||
| 08339 Vilassar De Dalt |
1 |
1 |
CaixaBank (1) | |||||
| 08630 Abrera |
1 |
1 |
CaixaBank (1) | |||||
| Cádiz | 11006 Cádiz | 1 | 1 | Santander (1) | ||||
| 17401 Arbucies |
1 |
1 |
CaixaBank (1) | |||||
| Girona |
17487 Castello D’Empuries |
1 |
1 |
CaixaBank (1) | ||||
| 17520 Puigcerdà | 1 | 1 | CaixaBank (1) | |||||
| Guipúzcoa | 20302 Irún | 1 | 1 | Kutxabank (2) | ||||
|
Lleida |
25310 Agramunt |
1 |
1 |
CaixaBank (1) | ||||
| 25005 Lleida | 3 | 1 | CaixaBank (1) | |||||
| Sta. Cruz de Tenerife | 38620 San Miguel De Abona | 1 | 1 | CaixaBank (2) | ||||
|
Tarragona |
43881 Cunit |
1 |
1 |
CaixaBank (1) | ||||
| 43892 Mont-Roig Del Camp |
1 |
1 |
CaixaBank (1) | |||||
| 43740 Mora D’Ebre |
1 |
1 |
CaixaBank (1) | |||||
| 43540 S. Carles De La Ràpita | 1 | 1 | CaixaBank (1) | |||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| Postal codes where the Parties and a maximum of two competitors will be present (section 5) | ||||||||||
| Province | PC and municipality | BBVA branche s |
Sabadell branche s |
Competitor 1 (branches) |
Competitor 2 (branches) | |||||
|
Asturias |
33008 Oviedo | 1 | 1 | Caja R. De Asturias (1) | Unicaja (1) | |||||
| 33012 Oviedo | 1 | 1 | Caja R. De Asturias (3) | Unicaja (1) | ||||||
| 33940 San Martín del Rey Aurelio | 1 | 1 | Caja R. De Asturias (1) | Unicaja (1) | ||||||
| Islas Baleares |
07157 Andratx | 1 | 1 | CaixaBank (1) | Banca March (1) | |||||
| 07013 Palma | 1 | 1 | CaixaBank (4) | Banca March (2) | ||||||
|
Las Palmas |
35509 San Bartolomé | 1 | 1 | CaixaBank (2) | Santander (1) | |||||
|
León |
24009 León | 1 | 1 | Santander (1) | Unicaja (1) | |||||
| 24500 Villafranca del Bierzo | 1 | 1 | Abanca (1) | Santander (1) | ||||||
|
Palencia |
34004 Palencia | 1 | 1 | Santander (1) | Cajamar (1) | |||||
|
Barcelona |
08350 Arenys de Mar | 1 | 1 | Santander (1) | CaixaBank (1) | |||||
| 08310 Argentona | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08140 Caldes de Montbui | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08370 Calella | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08211 Castellar del Vallès | 1 | 2 | Santander (1) | CaixaBank (1) | ||||||
| 08600 Berga | 1 | 1 | Santander (1) | CaixaBank (2) | ||||||
| 08755 Castellbisbal | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08292 Esparreguera | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08530 Garriga (La) | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08401 Granollers | 1 | 1 | Caixa C. Dels Enginyers (1) | CaixaBank (1) | ||||||
| 08380 Malgrat de Mar | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08560 Manlleu | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08170 Montornès del Vallès | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08184 Palau-Solità i Plegamans | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08150 Parets del Vallès | 2 | 1 | CaixaBank (2) | Santander (1) | ||||||
| 08291 Ripollet | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08740 Sant Andreu de la Barca | 2 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08470 Sant Celoni | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08960 Sant Just Desvern | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08970 Sant Joan Despí | 2 | 2 | CaixaBank (3) | Santander (1) | ||||||
| 08192 Sant Quirze del Vallès | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08770 Sant Sadurní d’Anoia | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08620 Sant Vicenç Dels Horts | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08222 Terrassa | 1 | 2 | CaixaBank (2) | Santander (1) | ||||||
| 08570 Torelló | 1 | 1 | Santander (1) | CaixaBank (1) | ||||||
| 08032 Barcelona | 2 | 2 | CaixaBank (5) | Santander (1) | ||||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
|
08130 Santa Perpètua de Mogoda |
1 |
1 |
Santander (2) |
CaixaBank (1) | ||||||
| 08226 Terrassa |
1 |
1 |
CaixaBank (2) |
Santander (1) | ||||||
| 08320 Masnou (El) |
1 |
1 |
CaixaBank (2) |
Santander (1) | ||||||
| 08330 Premià de Mar |
1 |
1 |
CaixaBank (2) |
Santander (1) | ||||||
| 08340 Vilassar de Mar |
1 |
1 |
CaixaBank (2) |
Santander (1) | ||||||
| 08397 Pineda de Mar |
1 |
1 |
CaixaBank (2) |
Santander (1) | ||||||
| 08440 Cardedeu |
1 |
1 |
CaixaBank (2) |
Santander (1) | ||||||
| 08490 Tordera |
1 |
1 |
CaixaBank (2) |
Santander (1) | ||||||
| 08907 Hospitalet de Llobregat(L’) |
1 |
1 |
CaixaBank (2) |
Santander (1) | ||||||
| 08019 Barcelona |
1 |
1 |
CaixaBank (1) |
Santander (1) | ||||||
| 08026 Barcelona |
3 |
1 |
CaixaBank (3) |
Santander (1) | ||||||
| 08870 Sitges |
1 |
2 |
CaixaBank (2) |
Santander (1) | ||||||
|
08930 Sant Adrià de Besòs |
2 |
2 |
CaixaBank (4) |
Santander (1) | ||||||
| 08023 Barcelona |
2 |
1 |
CaixaBank (4) |
Santander (1) | ||||||
| 08041 Barcelona |
1 |
1 |
CaixaBank (3) |
Santander (1) | ||||||
| 08914 Badalona |
1 |
1 |
Santander (2) |
CaixaBank (2) | ||||||
|
Girona |
17100 Bisbal d’Empordà (La) |
1 |
1 |
Santander (1) |
CaixaBank (1) | |||||
| 17250 Castell-Platja d’Aro |
1 |
1 |
Santander (1) |
CaixaBank (1) | ||||||
| 17230 Palamós |
1 |
1 |
Santander (1) |
CaixaBank (1) | ||||||
| 17500 Ripoll |
1 |
1 |
Santander (1) |
CaixaBank (1) | ||||||
| 17190 Salt |
1 |
1 |
Santander (1) |
CaixaBank (1) | ||||||
| 17220 Sant Feliu de Guíxols |
1 |
1 |
Santander (1) |
CaixaBank (1) | ||||||
| 17430 Santa Coloma de Farners |
1 |
1 |
Santander (1) |
CaixaBank (1) | ||||||
| 17257 Torroella de Montgrí |
1 |
1 |
Santander (1) |
CaixaBank (1) | ||||||
| 17130 Escala (L’) |
1 |
1 |
CaixaBank (2) |
Santander (1) | ||||||
| 17244 Cassà de la Selva |
1 |
1 |
CaixaBank (2) |
Santander (1) | ||||||
| 17310 Lloret de Mar |
1 |
1 |
CaixaBank (2) |
Santander (1) | ||||||
| 17820 Banyoles |
1 |
1 |
CaixaBank (2) |
Santander (1) | ||||||
|
Lleida |
25100 Almacelles |
1 |
1 |
CaixaBank (1) |
Ibercaja (1) | |||||
| 25250 Bellpuig |
1 |
1 |
CaixaBank (1) |
Ibercaja (1) | ||||||
|
25400 Borges Blanques (Les) |
1 |
1 |
CaixaBank (1) |
Ibercaja (1) | ||||||
| 25200 Cervera |
1 |
1 |
CaixaBank (1) |
Ibercaja (1) | ||||||
| 25620 Tremp |
1 |
1 |
CaixaBank (1) |
Ibercaja (1) | ||||||
| 25530 Vielha e Mijaran |
1 |
1 |
Santander (1) |
CaixaBank (1) | ||||||
|
Tarragona |
43820 Calafell |
1 |
1 |
Santander (1) |
CaixaBank (1) | |||||
| 43400 Montblanc |
1 |
1 |
Santander (1) |
CaixaBank (1) | ||||||
| 43830 Torredembarra |
1 |
1 |
Santander (1) |
CaixaBank (1) | ||||||
| 43002 Tarragona |
1 |
1 |
CaixaBank (1) |
Caixa Enginyers (1) | ||||||
| 43480 Vila-seca |
1 |
1 |
Santander (1) |
CaixaBank (1) | ||||||
| 43700 Vendrell (El) |
1 |
1 |
CaixaBank (2) |
Santander (1) | ||||||
|
Alicante |
03804 Alcoy |
1 |
1 |
Caixa Popular-Caixa |
Caja De Ahorros Y M.P. Ontinyent (1) | |||||
| 03006 Alicante |
1 |
1 |
Santander (1) |
Cajamar (1) | ||||||
This English version is a translation of the original in Spanish for information purposes only. In
case of discrepancy, the Spanish original will prevail.
| 03503 Benidorm |
2 |
1 |
CaixaBank (1) |
Caixa R. Callosa d’en Sarriá (1) | ||||||
| 03502 Benidorm |
2 |
1 |
CaixaBank (1) |
Targobank (1) | ||||||
| 03720 Benissa |
1 |
1 |
Caixa R. Altea (1) |
CaixaBank (1) | ||||||
| 03204 Elche |
1 |
3 |
Santander (1) |
Cajamar (1) | ||||||
| 03780 Pego |
1 |
1 |
CaixaBank (1) |
Cajamar (1) | ||||||
| 03770 Verger (el) |
1 |
1 |
CaixaBank (1) |
Cajamar (1) | ||||||
|
Valencia |
46730 Gandía |
1 |
1 |
CaixaBank (1) |
Caja De Ahorros Y M.P. Ontinyent (1) | |||||
| 46210 Picanya |
1 |
1 |
Caixa R. Torrent (1) |
CaixaBank (1) | ||||||
| 46016 Tavernes Blanques |
1 |
1 |
CaixaBank (1) |
Cajamar (1) | ||||||
|
A Coruña |
15110 Ponteceso |
1 |
1 |
Abanca (1) |
CaixaBank (1) | |||||
| 15960 Ribeira |
1 |
1 |
Abanca (2) |
CaixaBank (1) | ||||||
|
Lugo |
27640 Becerreá |
1 |
1 |
Abanca (1) |
Caixa R. Galega (1) | |||||
|
Madrid |
28026 Madrid |
2 |
1 |
CaixaBank (5) |
Santander (3) | |||||
| 28054 Madrid |
1 |
1 |
Ibercaja (1) |
Unicaja (1) | ||||||
|
Murcia |
30860 Mazarrón |
1 |
1 |
CaixaBank (1) |
Cajamar (1) | |||||
| 30720 San Javier |
2 |
1 |
CaixaBank (1) |
Cajamar (1) | ||||||
| 30565 Torres de Cotillas (Las) |
1 |
1 |
CaixaBank (1) |
Cajamar (1) | ||||||
|
Guipúzcoa |
20003 San Sebastián |
1 |
1 |
Kutxabank (1) |
Caja Laboral (1) | |||||
| 20830 Mutriku |
1 |
1 |
Caja Laboral (1) |
Kutxabank (1) | ||||||
* * *
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
| Banco Bilbao Vizcaya Argentaria, S.A. | ||||||
| Date: April 30, 2025 | ||||||
| By: /s/ Victoria del Castillo Marchese | ||||||
| Name: Victoria del Castillo Marchese | ||||||
| Title: Global Head of Strategy & M&A | ||||||