Company: BBVXF
Filing Date: 2025-09-09
Form Type: 424B3
Source: 0001193125-25-198517
Chunk: 793

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-09
Form: 424B3
Chunk 793
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 Assigning functional responsibilities for compliance where necessary. |

| – | Intervening in the process for establishing remuneration policies and practices. |

| – | With regard to Anti-Money Laundering, Counter-Terrorist Financing (AML/CTF) and International Sanctions,                                                                                                                                                 
 implementing, managing and updating policies and procedures; carrying out the preliminary classification of the AML/CTF risk of customers during the onboarding process; applying enhanced due diligence measures when onboarding high-risk customers so 
 that they may be accepted and duly updated beforehand; managing tracking alerts; detecting matches in lists of designated persons and transactions of countries subject to international sanctions; performing special analyses of suspicious activities 
 and reporting them as necessary; preparing training plans; approving new products, services, channels and business areas; and conducting a periodic risk assessment of internal control procedures in relation to AML/CTF and international sanctions.   |

| – | Promoting a culture of compliance and appropriate conduct in each of the Group entities, adopting measures that will 
 enable employees to obtain the training and experience they need to perform their duties correctly.                  |

A-657

| – | Taking part in the development of training programmes in order to advise and make employees aware of the importance 
 of complying with the established internal procedures.                                                              |

| – | Advising on data protection through the Data Protection Office, acting as the point of contact with the Spanish Data                                
 Protection Agency (Agencia Española de Protección de Datos) and performing all other duties assigned in regulations to the Data Protection Officer. |

The following compliance risks have been identified:

| – | Anti-Money Laundering and Counter-Terrorist Financing. |

| – | Data protection. |

| – | Market integrity. |

| – | MiFID. |

| – | EBA. |

| – | Other products and services. |

| – | Publicity. |

| – | New legislation. |

| – | Corporate crime prevention. |

| – | Remuneration. |

| – | Code of Conduct and Ethics. |

| – | Subsidiaries and foreign branches. |

| – | Customer Care Service (Servicio de Atención al Cliente, or SAC). |

Note 5 – Minimum own funds and capital management Minimum own funds requirements The Group calculates minimum capital requirements based on Directive 2013/36/EU, amended by Directive 2019/878/EU (hereinafter, CRD-V),and Regulation (EU) 575/2013,