Company: BBVXF
Filing Date: 2025-09-05
Form Type: F-4/A
Source: 0001193125-25-196513
Chunk: 804

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-05
Form: F-4/A
Chunk 804
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 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, amended by Regulation (EU) 2019/876 (hereinafter, CRR-II). Regulation CRR-IIand Directive CRD-IVentered into force on 27 June 2019 and have been implemented in successive stages since that date, although most of the provisions are applicable as from 28 June 2021. The Spanish government transposed Directive CRD-Vinto national law through Royal Decree-Law7/2021, of 27 April, Royal Decree 970/2021, of 8 November, and Circular 5/2021, of 22 December. The Covid-