Company: BBVXF
Filing Date: 2025-09-05
Form Type: F-4/A
Source: 0001193125-25-196513
Chunk: 447

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-05
Form: F-4/A
Chunk 447
---
 an annual oversight and monitoring programme, with the appropriate tools 
 and methodologies for control.                                                                                       |

A-204

| – | With regard to Anti-Money Laundering, Countering the Financing of Terrorism (AML/CFT) and international sanctions,                                                                                                                                      
 implementing, managing and updating policies and procedures on the topic of AML/CFT and international sanctions; carrying out the preliminary classification of the ML/TF 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/CFT and international sanctions.                                                                                                                                                                                          |

| – | In terms of customer protection, advising the business units in the design of new products and services and changes                                                                                                                                       
 in their scope, in accordance with MiFID, EBA and IDD regulations and any other applicable regulation, as well as supervising the correct advertising and marketing of products and services, in terms of conduct, transparency and vulnerable customers. |

| – | With regard to market integrity, promoting compliance with the Internal Code of Conduct in relation to the securities                                                  
 market and the Market Abuse Regulation, as well as notifying the regulator of potential cases of misuse of information and/or market manipulation under investigation. |

| – | In terms of customer data protection, through the Data Protection Officer (DPO), advising the business units in the                                                                                                               
 adequate implementation of the General Data Protection Regulation in the design of products and services, as well as being the point of contact for the Spanish Data Protection Agency (Agencia Española de Protección de Datos). |

| – | In the area of customer service, responding to customers’ claims and complaints in a timely manner, in                                                                                                                                           
 accordance with transparency criteria and supervisor’s best practice, as well as detecting recurrent, systemic or potential problems of the Institution, promoting the adoption of corrective measures in that regard, and following up on their 
 resolution.                                                                                                                                                                                                                                      |

| – | In the area of ethics and conduct, informing, reviewing or proposing corrective measures and/or responses to                                                                                                                                        
 incidents detected in matters of the code of conduct or to consultations submitted to the Corporate Ethics Committee (CEC), whose mission is to promote the Group’s ethical