Company: BBVXF
Filing Date: 2025-09-05
Form Type: F-4/A
Source: 0001193125-25-196513
Chunk: 629

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-05
Form: F-4/A
Chunk 629
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 importance 
 of complying with the established internal procedures.                                                                |

| – | Sharing relevant information, reviewing and proposing corrective measures and/or responses to incidents detected in                                                                                                                               
 matters of conduct or to queries submitted to the Corporate Ethics Committee, which is tasked with promoting the Group’s ethical conduct to ensure compliance with the action principles set out in the Banco Sabadell Group Code of Conduct, the 
 Banco Sabadell Group Internal Code of Conduct relating to the securities market, the Banco Sabadell Group General Policy on Conflicts of Interest, the Banco Sabadell Group Corporate Crime Prevention Policy and the Banco Sabadell Group        
 Anti-Corruption Policy.                                                                                                                                                                                                                           |

| – | Submitting to the administrative and management bodies the regular or ad hoc reports on compliance that are legally 
 required at any given time.                                                                                         |

| – | Reporting to the administrative and management bodies on any information relevant to compliance arising from all 
 areas and activities of each Group entity.                                                                       |

| – | Assisting the Board of Directors and Senior Management in compliance matters. |

| – | Taking on institutional responsibilities and interacting with supervisory authorities and institutions in relation to 
 matters within its remit and where agreed by the Institution’s management and administrative bodies.                  |

A-430

The following compliance risks have been identified:

| – | Anti-Money Laundering and Counter-Terrorist Financing. |

| – | Data protection. |

| – | Market integrity. |

| – | Customer protection (including the following risks: MiFID, EBA, other products and services, sustainability, 
 misconduct with customers and advertising).                                                                  |

| – | New legislation. |

| – | Ethics and conduct (includes risks related to corporate crime prevention, remuneration and the code of conduct and 
 ethics).                                                                                                           |

| – | Customer Care Service (Servicio de Atención al Cliente, or SAC). |

A-431

Note 5 – Minimum own funds and capital management Minimum own funds requirements The Group calculates minimum capital requirements based on Directive 2013/36/EU, amended by Directive 2019/878/EU (hereinafter, CRD-V), and Regulation (EU) 575/2013, amended by Regulation (EU) 2019/876 (hereinafter, CRR-II). The Covid-19 health crisis prompted competent institutions in Europe to temporarily lower liquidity, capital and operational requirements applicable to banks, to ensure that they could continue carrying out their role of providing funding to the real economy