Company: BBVXF
Filing Date: 2025-03-21
Form Type: 6-K
Source: 0000842180-25-000016
Chunk: 24

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-03-21
Form: 6-K
Chunk 24
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 regulatory bodies.

The obligation to comply with these capital requirements may affect the capacity of these banking subsidiaries to transfer funds (e.g. via dividends) to the parent company.

In some jurisdictions in which the Group operates, the regulations lay down that dividends may only be paid with the funds available by regulation for this purpose.

#### 2.4.3.
Exemptions from capital requirements at the individual or sub-consolidated level

Article 436 h) CRR

EU LIB c)

In accordance with what is set out in the solvency regulations regarding the exemption from capital requirements compliance for Spanish credit institutions belonging to a consolidated group (at individual or sub-consolidated level) established in the aforementioned regulation, the Group obtained exemption from the supervisor on December 30, 2009 for Banco Occidental, S.A. (this exemption was ratified through ECB decision 1024/2013)

In addition, for Financiero de Crédito de Portugal (BBVA IFIC, S.A.), the ECB has decided not to apply prudential requirements individually

| PILLAR 3 2024 |     | 3. SOLVENCY |     | P.36 |

3. Solvency

| 3.1.BBVA Group’s regulatory capital tiers                    |     | 37 |
| 3.2.Eligible own funds                                       |     | 41 |
| 3.3.Own Funds requirements by risk type                      |     | 46 |
| 3.3.1.Entity risk profile                                    |     | 46 |
| 3.3.2.Breakdown of minimum capital requirements by risk type |     | 48 |
| 3.4.IFRS 9 and OCI Transitional Arrangements                 |     | 51 |
| 3.5.Procedure used in the capital self-assessment process    |     | 53 |
| 3.6.Leverage Ratio                                           |     | 54 |
| 3.7.MREL                                                     |     | 57 |

| PILLAR 3 2024 |     | 3. SOLVENCY |     | P.37 |

3.1. BBVA Group’s regulatory capital tiers

Articles 438 b), 440 CRR

Article 92 of the CRR establishes that credit institutions must maintain the following own funds requirements at all times:

a. Common Equity Tier 1 capital ratio of 4.5%, calculated as Common Equity Tier 1 capital expressed