Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0001193125-25-169872
Chunk: 4

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 4
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8 period. · A significant increase in the contribution to earnings from the corporate segments and Corporate

& Investment Banking, on the back of cross-border businesses and sustainability. · An emphasis in business segments with higher revenues in commissions, such as insurance, asset management, and in transactional products. Furthermore, the bank will amplify the impact through two additional levers: an active management of the balance sheet in order to optimize the use of capital and productivity programs through ‘Next Gen’ technologies and artificial intelligence. Goals for geographical areas are as follows:

BBVA expects to have approximately €49 billion of highest quality capital, or CET1, over the 2025-2028 period. The bank expects to generate organically €39 billion in capital over four years, and an additional €5 billion through securitizations and significant risk transfers (SRT). Moreover, BBVA already had €4.5 4 billion in excess capital above the 12 percent CET 1 ratio, at the end of 2024 . Of this capital, BBVA will use about 30 percent to invest in growth (approximately €13 billion) and the remaining 70 percent would be available for distribution to shareholders -about €36 billion. Of this amount, taking into account a maximum payout of 50 percent set in BBVA’s dividend policy, €24 billion would be ordinary distributions; and the rest, €12 billion, would be excess capital above the 12 percent of CET1, available for distribution. In both cases, distribution to shareholders will materialize through 5 cash dividends or share buybacks .

SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

| Date: July 31, 2025 |     | Banco Bilbao Vizcaya Argentaria, S.A. 
 By:                                   |     | /s/ MªÁngeles Peláez Morón                |
|:--------------------|:----|:--------------------------------------|:----|:------------------------------------------|
|                     |     | Name:                                 |     | MªÁngeles Peláez Morón                    |
|                     |     | Title:                                |     | Head of Accounting & Regulatory Reporting |