Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001628280-25-047351
Chunk: 22

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 22
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 of the individual units (the LCR of the main components was 169% in BBVA, S.A., 164% in Mexico and 139% in Turkey). Without considering this restriction, the Group's LCR ratio was 174%. – The net stable funding ratio (NSFR) require s banks to maintain a stable funding profile in relation to the composition of their assets and off-balance sheet activities. The BBVA Group's NSFR ratio stood at 128% as of September 30, 2025. The breakdown of these ratios in the main geographical areas in which the Group operates is shown below:

| LCR AND NSFR RATIOS (PERCENTAGE. 30-09-25) |            |        |        |                    |
|                                            | BBVA, S.A. | Mexico | Turkey | South America      |
| LCR                                        | 169%       | 164%   | 139%   | All countries >100 |
| NSFR                                       | 119%       | 130%   | 146%   | All countries >100 |

Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish -language version prevails.

| January - September 2025Report - p.27 |

In addition to the above, the most relevant aspects related to the main geographical areas are the following: – BBVA, S.A. has maintained a strong position with a large high-quality liquidity buffer, maintaining at all times the regulatory liquidity metrics well above the set minimums. During the first nine months of 2025 , commercial activity showed dynamism in attracting customer deposits, mainly from wholesale clients, supported equally by retail clients and the new digital bank in Germany. Regarding lending activity, there has been a significant boost from wholesale business units. Growth in both areas has resulted in a narrowing of the credit gap. – BBVA Mexico showed a solid liquidity situation, with a credit gap that has remained mainly stable during the first nine months of 2025 as a result of a similar growth in deposits and lending. – In Turkey, Garanti BBVA maintained an adequate liquidity situation in the first nine months of 2025 . Thus, the lending gap has reduced significantly in foreign currencies due to a strong increase in deposits. On the other hand, an increase in the credit gap in Turkish lira has been observed due to the strong growth in lending, which exceeded that of deposits. Wholesale issuances in foreign currency have supported the liquidity situation. – In South America