Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001628280-25-047351
Chunk: 16

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 16
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 Income" offsetting the negative impact in the income statement from the loss on the net monetary position recorded in the financial statements of the subsidiaries operating in hyperinflationary economies.

| QUARTERLY EVOLUTION OF THE CET1 RATIO |

| +8 bps |

| (1)Includes, among others, FX, mark to market of HTC&S portfolios, minority interests, and apositive impact in OCI equivalent to the loss on the net monetary position in hyperinflationaryeconomies registered in results. |

The AT1 ratio showed a variation of -3 basis points compared to June 30, 2025. This variation was due mainly by the growth in RWA. No issuances were made or redeemed during the quarter. For its part, the Tier 2 ratio has not experienced a significant variation (-3 basis points in the quarter), mainly impacted by the growth in RWA, partially offset by the issuance of USD 500m of subordinated debt by Garanti BBVA. As a consequence of the foregoing, the consolidated total capital ratio stood at 17.75 % as of September 30, 2025, above the total capital requirements.

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

| January - September 2025Report - p.20 |

Following the latest decision of the SREP (Supervisory Review and Evaluation Process), which came into force on January 1, 2025, BBVA Group must maintain at consolidated level a total capital ratio of 13.29 % 9 and a CET1 capital ratio of 9.13 % 9 , including a Pillar 2 requirement at consolidated level of 1.68% (a minimum of 1.02% must be satisfied with CET1), of which 0.18% is determined on the basis of the European Central Bank (hereinafter ECB) prudential provisioning expectations, and must be satisfied by CET1.

| CAPITAL RATIOS (PERCENTAGE) |

| CAPITAL BASE (MILLIONS OF EUROS)                                                                                                                                                           |              |          |          |
|                                                                                                                                                                                            | 30-09-25 ⁽¹⁾ | 31-12-24 | 30-09-24 |
| Common Equity Tier 1 (CET1)                                                                                                                                                                |       53,056 |   50,799 |   48,715 |
| Tier 1                                                                                                                                                                                     |       58,541