Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001628280-25-047437
Chunk: 61

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 61
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 Evaluation Process (SREP) carried out by the ECB, BBVA must maintain, at a consolidated level, as from January 1, 2025, a CET1 capital ratio of 9.13% 2 and a total capital ratio of 13.29 % 2 . The consolidated total capital requirement includes: (i) the “Pillar 1” capital requirement (8.00%), of which a minimum of 4.50% must be met with CET1 capital, 1.50% could be met with AT1 instruments and 2.00% could be met with Tier 2 instruments; (ii) the “Pillar 2” capital requirement (1.68%), of which a minimum of 1.02% must be met with CET1 capital (of which 0.18% is determined on the basis of the ECB’s prudential provisioning expectation), 0.28% could be met with AT1 instruments and 0.38% could be met with Tier 2 instruments; (iii) the capital conservation buffer (2.50% that must be met exclusively with CET1 capital); (iv) the D-SIB capital buffer (1.00% that must be met exclusively with CET1 capital); and (v) the capital buffer for Countercyclical Risk (0.10% 2 that must be met exclusively with CET1 capital). In addition, the Systemic Risk buffer is 0.01% 2 .

BBVA Group’s CET1 ratio stood at 13.42% as of September 30, 2025, which represents an increase of 54 basis points compared to December 31, 2024, mainly due to the profit of the BBVA Group recorded during the nine months ended September 30, 2025, which allows the Group to continue investing in growth opportunities. The entry into force of the new Capital Requirements Regulation (Regulation (EU) 2024/1623) (“

### CRR III
”) had no significant impact on this ratio.

Risk-weighted assets (RWA) increased in the nine months ended September 30, 2025 by approximately €807 million, mainly as a result of the increase in credit lending, mainly in Turkey, Spain and in the New York branch, partially offset by the depreciation of the Argentine peso, the Turkish lira and, to a lesser extent, the U.S. dollar and the Peruvian sol (see “―Factors Affect