Company: BBVXF
Filing Date: 2025-03-21
Form Type: 6-K
Source: 0000842180-25-000016
Chunk: 171

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-03-21
Form: 6-K
Chunk 171
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 held self-funding levels with stable customer resources above the requirements.

| Table 68.LtSCD by LMU |

|                 |     |     | 2024 |     |     | 2023 |
| Group (average) |     | 102 |    % |     |  99 |    % |
| BBVA S.A.       |     | 101 |    % |     | 100 |    % |
| BBVA Mexico     |     | 115 |    % |     | 102 |    % |
| Garanti BBVA    |     |  90 |    % |     |  78 |    % |
| Other LMU       |     |  99 |    % |     | 104 |    % |

With respect to LCR, the Group has maintained a liquidity buffer at both a consolidated and individual level in 2024. As a result, the ratio has remained comfortably above 100%, with the consolidated ratio as of December 31, 2024 standing at 134%. Although this requirement is only established at a Group level, for banks in the Eurozone, the minimum level required comfortably exceeded in all subsidiaries. It should be noted that the calculation of the Consolidated LCR does not allow the transfer of liquidity between subsidiaries, so no excess liquidity may be transferred from these entities for the purpose of calculating the consolidated ratio. If the impact of these highly liquid assets was considered, the LCR would be 162%, or 28 basis points above the required level.

| Table 69.LCR main LMU |

| —            |     |     | 2024 |     |     | 2023 |
| Group        |     | 134 |    % |     | 149 |    % |
| BBVA S.A.    |     | 156 |    % |     | 178 |    % |
| BBVA Mexico  |     | 146 |    % |     | 192 |    % |
| Garanti BBVA |     | 141 |    % |     | 212 |    % |

One of the key elements in BBVA's Group liquidity and funding management is the targeted maintenance of large high quality liquidity buffers in all business areas where the group operates.

| PILLAR 3 2024 |     | 4. RISK |     | P. 195 |

Each entity maintains a liquidity buffer at the individual level for BBVA, S.A. and for each