Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001628280-25-047351
Chunk: 15

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 15
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,953 | 13.2 |  156,265 |  147,769 |
| Pension funds                                                                                                                                     |   32,923 |  4.1 |   31,614 |   30,662 |
| Other off-balance sheet funds                                                                                                                     |    6,541 | 38.4 |    4,726 |    4,782 |
| Total customer funds                                                                                                                              |  687,781 |  7.4 |  640,250 |  621,047 |
| ⁽¹⁾ Includes the customer portfolios in Spain, Mexico, Peru (preliminary data as of 30-09-2025) and Colombia (preliminary data as of 30-09-2025). |          |      |          |          |

8 For the periods shown, there were no differences between fully loaded and phased-in ratios given that the impact associated with the transitional adjustments is nil. 9 Considering the last official updates of the countercyclical capital buffer and systemic risk buffer, calculated on the basis of exposure as of June 30, 2025. Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish -language version prevails.

| January - September 2025Report - p.19 |

Capital and shareholders Capital base The BBVA Group's CET1 ratio 8 stood at 13.42% as of September 30, 2025, which allows it to maintain a large management buffer over the Group's CET1 requirement as of that date ( 9.13 % 9 ), and is also above the Group's target management range of 11.5% - 12.0% of CET1. Regarding the evolution during the third quarter, the Group’s CET1 increased by 8 basis points with respect to the June level ( 13.34 %). Noteworthy in this evolution is the strong earnings generation during the third quarter, which contributed +65 basis points to the ratio. The provision for dividends and the coupon payments on AT1 instruments (CoCos) subtracted -35 basis points. Organic growth in risk-weighted assets (RWA) at constant exchange rates, net of risk transfer initiatives, represents a consumption of -37 basis points, reflecting, once again, the Group's ability to continue reinvesting in new growth. Among the remaining impacts that increase the ratio by 15 basis points, the positive compensation effect recognized in "Other Comprehensive