Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000842180-25-000030
Chunk: 24

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 24
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 the subsidiaries are self-sufficient and responsible for managing their own liquidity and funding (taking deposits or accessing the market with their own rating). This strategy limits the spread of a liquidity crisis among the Group's different areas and ensures the adequate transmission of the cost of liquidity and financing to the price formation process. The BBVA Group maintains a solid liquidity position in every geographical area in which it operates, with ratios well above the minimum required: – The LCR requires banks to maintain a volume of high-quality liquid assets sufficient to withstand liquidity stress for 30 days. BBVA Group's consolidated LCR remained comfortably above 100 % during the first half of 2025 and stood at 140 % as of June 30, 2025 . It should be noted that, given the MPE nature of BBVA, this ratio limits the numerator of the LCR for subsidiaries of BBVA S.A. to 100 % of their net outflows, therefore, the resulting ratio is below that of the individual units (the LCR of the main components was 169 % in BBVA, S.A., 160 % in Mexico and 144 % in Turkey). Without considering this restriction, the Group's LCR ratio was 168 %. – 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 126 % as of June 30, 2025.

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

| January - June 2025Report - p.27 |

The breakdown of these ratios in the main geographical areas in which the Group operates is shown below:

| LCR AND NSFR RATIOS (PERCENTAGE. 30-06-25) |            |        |        |                    |
|                                            | BBVA, S.A. | Mexico | Turkey | South America      |
| LCR                                        | 169%       | 160%   | 144%   | All countries >100 |
| NSFR                                       | 119%       | 132%   | 147%   | All countries >100 |

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