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Note 7 - Risk Management (Tables) | 12 Months Ended
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Dec. 31, 2017
Risk Management Abstract |
Maximum Credit Risk Exposure |
Maximum Credit Risk Exposure (Millions of euros)
| Notes | 2017 | 2016 | 2015
Financial assets held for trading |  | 29,430 | 31,995 | 37,424
Debt securities | 10.1 | 22,573 | 27,166 | 32,825
Government |  | 20,716 | 24,165 | 29,454
Credit institutions |  | 816 | 1,652 | 1,765
Other sectors |  | 1,041 | 1,349 | 1,606
Equity instruments | 10.1 | 6,801 | 4,675 | 4,534
Loans and advances to customers |  | 56 | 154 | 65
Other financial assets designated at fair value through profit or loss | 11 | 2,709 | 2,062 | 2,311
Loans and advances to customers |  | 648 | - | 62
Debt securities |  | 174 | 142 | 173
Government |  | 93 | 84 | 132
Credit institutions |  | 63 | 47 | 29
Other sectors |  | 18 | 11 | 11
Equity instruments |  | 1,888 | 1,920 | 2,075
Available-for-sale financial assets |  | 70,761 | 79,553 | 113,710
Debt securities | 12.1 | 66,273 | 74,739 | 108,448
Government |  | 53,378 | 55,047 | 81,579
Credit institutions |  | 3,902 | 5,011 | 8,069
Other sectors |  | 8,993 | 14,682 | 18,800
Equity instruments | 12.1 | 4,488 | 4,814 | 5,262
Loans and receivables |  | 444,320 | 482,011 | 490,580
Loans and advances to central banks | 13.1 | 7,300 | 8,894 | 17,830
Loans and advances to credit institutions | 13.2 | 26,297 | 31,416 | 29,368
Loans and advances to customers | 13.3 | 400,369 | 430,474 | 432,856
Government |  | 32,525 | 34,873 | 38,611
Agriculture |  | 3,876 | 4,312 | 4,315
Industry |  | 52,026 | 57,072 | 56,913
Real estate and construction |  | 29,671 | 37,002 | 38,964
Trade and finance |  | 47,951 | 47,045 | 43,576
Loans to individuals |  | 172,868 | 192,281 | 194,288
Other |  | 61,452 | 57,889 | 56,188
Debt securities | 13.4 | 10,354 | 11,226 | 10,526
Government |  | 4,412 | 4,709 | 3,275
Credit institutions |  | 31 | 37 | 125
Other sectors |  | 5,911 | 6,481 | 7,126
Held-to-maturity investments |  | 13,765 | 17,710 | -
Government |  | 12,620 | 16,049 | -
Credit institutions |  | 1,056 | 1,515 | -
Other sectors |  | 89 | 146 | -
Derivatives (trading and hedging) | 10.4 - 15 | 45,628 | 54,122 | 49,350
TOTAL FINANCIAL ASSETS RISK |  | 606,613 | 667,454 | 693,375
Loan commitments given | 33 | 94,268 | 107,254 | 123,620
Financial guarantees given | 33 | 16,545 | 18,267 | 19,176
Other Commitments given | 33 | 45,738 | 42,592 | 42,813
Total Maximum Credit Exposure |  | 763,165 | 835,567 | 878,984
Loans And Advances Breakdown By Counterparty |
December 2017 (Millions of euros)
| Central banks | General governments | Credit institutions | Other financial corporations | Non-financial corporations | Households | Total
On demand and short notice | - | 222 | - | 270 | 7,663 | 2,405 | 10,560
Credit card debt | - | 6 | - | 3 | 1,862 | 13,964 | 15,835
Trade receivables |  | 1,624 | - | 497 | 20,385 | 198 | 22,705
Finance leases | - | 205 | - | 36 | 8,040 | 361 | 8,642
Reverse repurchase loans | 305 | 1,290 | 13,793 | 10,912 | - | - | 26,300
Other term loans | 6,993 | 26,983 | 4,463 | 5,763 | 125,228 | 155,418 | 324,848
Advances that are not loans | 2 | 1,964 | 8,005 | 1,044 | 1,459 | 522 | 12,995
Loans and advances | 7,301 | 32,294 | 26,261 | 18,525 | 164,637 | 172,868 | 421,886
of which: mortgage loans [Loans collateralized by immovable property] |  | 998 | - | 308 | 37,353 | 116,938 | 155,597
of which: other collateralized loans |  | 7,167 | 13,501 | 12,907 | 24,100 | 9,092 | 66,767
of which: credit for consumption |  |  |  |  |  | 40,705 | 40,705
of which: lending for house purchase |  |  |  |  |  | 114,709 | 114,709
of which: project finance loans |  |  |  |  | 16,412 |  | 16,412
December 2016 (Millions of euros)
| Central banks | General governments | Credit institutions | Other financial corporations | Non-financial corporations | Households | Total
On demand and short notice | - | 373 | - | 246 | 8,125 | 2,507 | 11,251
Credit card debt | - | 1 | - | 1 | 1,875 | 14,719 | 16,596
Trade receivables |  | 2,091 | - | 998 | 20,246 | 418 | 23,753
Finance leases | - | 261 | - | 57 | 8,647 | 477 | 9,442
Reverse repurchase loans | 81 | 544 | 15,597 | 6,746 | - | - | 22,968
Other term loans | 8,814 | 29,140 | 7,694 | 6,878 | 136,105 | 167,892 | 356,524
Advances that are not loans | - | 2,410 | 8,083 | 2,082 | 1,194 | 620 | 14,389
Loans and advances | 8,894 | 34,820 | 31,373 | 17,009 | 176,192 | 186,633 | 454,921
of which: mortgage loans [Loans collateralized by immovable property] |  | 4,722 | 112 | 690 | 44,406 | 132,398 | 182,328
of which: other collateralized loans |  | 3,700 | 15,191 | 8,164 | 21,863 | 6,061 | 54,979
of which: credit for consumption |  |  |  |  |  | 44,504 | 44,504
of which: lending for house purchase |  |  |  |  |  | 127,606 | 127,606
of which: project finance loans |  |  |  |  | 19,269 |  | 19,269
December 2015 (Millions of euros)
| Central banks | General governments | Credit institutions | Other financial corporations | Non-financial corporations | Households | Total
On demand and short notice | - | 783 | - | 38 | 8,356 | 2,050 | 11,228
Credit card debt | - | 1 | - | 2 | 1,892 | 15,057 | 16,952
Trade receivables |  | 3,055 | - | 800 | 19,605 | 411 | 23,871
Finance leases | - | 301 | - | 420 | 7,534 | 1,103 | 9,357
Reverse repurchase loans | 149 | 326 | 11,676 | 4,717 | 9 | - | 16,877
Other term loans | 10,017 | 31,971 | 8,990 | 5,968 | 134,952 | 168,729 | 360,626
Advances that are not loans | 7,664 | 2,108 | 8,713 | 2,261 | 919 | 863 | 22,528
Loans and advances | 17,830 | 38,544 | 29,379 | 14,206 | 173,267 | 188,213 | 461,438
of which: mortgage loans [Loans collateralized by immovable property] |  | 4,483 | 264 | 656 | 43,961 | 135,102 | 184,466
of which: other collateralized loans |  | 3,868 | 12,434 | 6,085 | 22,928 | 6,131 | 51,446
of which: credit for consumption |  |  |  |  |  | 40,906 | 40,906
of which: lending for house purchase |  |  |  |  |  | 126,591 | 126,591
of which: project finance loans |  |  |  |  | 21,141 |  | 21,141
BBVA Abridged Rating Scale |
External rating | Internal rating | Probability of default(basic points)
Standard&Poor's List | Reduced List (22 groups) | Average | Minimum from >= | Maximum
AAA | AAA | 1 | - | 2
AA+ | AA+ | 2 | 2 | 3
AA | AA | 3 | 3 | 4
AA- | AA- | 4 | 4 | 5
A+ | A+ | 5 | 5 | 6
A | A | 8 | 6 | 9
A- | A- | 10 | 9 | 11
BBB+ | BBB+ | 14 | 11 | 17
BBB | BBB | 20 | 17 | 24
BBB- | BBB- | 31 | 24 | 39
BB+ | BB+ | 51 | 39 | 67
BB | BB | 88 | 67 | 116
BB- | BB- | 150 | 116 | 194
B+ | B+ | 255 | 194 | 335
B | B | 441 | 335 | 581
B- | B- | 785 | 581 | 1,061
CCC+ | CCC+ | 1,191 | 1,061 | 1,336
CCC | CCC | 1,500 | 1,336 | 1,684
CCC- | CCC- | 1,890 | 1,684 | 2,121
CC+ | CC+ | 2,381 | 2,121 | 2,673
CC | CC | 3,000 | 2,673 | 3,367
CC- | CC- | 3,780 | 3,367 | 4,243
Internal Rating Exposure |
| December 2017 | December 2016 | December 2015
Credit Risk Distribution by Internal Rating | Amount(Millions of Euros) | % | Amount(Millions of Euros) | % | Amount(Millions of Euros) | %
AAA/AA+/AA/AA- | 38,124 | 12.04% | 35,430 | 11.84% | 27,913 | 9.17%
A+/A/A- | 68,638 | 21.68% | 58,702 | 19.62% | 62,798 | 20.64%
BBB+ | 40,626 | 12.83% | 43,962 | 14.69% | 43,432 | 14.27%
BBB | 28,194 | 8.90% | 27,388 | 9.15% | 28,612 | 9.40%
BBB- | 51,845 | 16.37% | 41,713 | 13.94% | 40,821 | 13.41%
BB+ | 29,088 | 9.19% | 32,694 | 10.92% | 28,355 | 9.32%
BB | 17,009 | 5.37% | 19,653 | 6.57% | 23,008 | 7.56%
BB- | 15,656 | 4.94% | 13,664 | 4.57% | 12,548 | 4.12%
B+ | 11,180 | 3.53% | 10,366 | 3.46% | 8,597 | 2.83%
B | 9,101 | 2.87% | 4,857 | 1.62% | 5,731 | 1.88%
B- | 2,962 | 0.94% | 3,687 | 1.23% | 3,998 | 1.31%
CCC/CC | 4,223 | 1.33% | 7,149 | 2.39% | 18,488 | 6.08%
Total | 316,649 | 100.00% | 299,264 | 100.00% | 304,300 | 100.00%
Past Due But Not Impaired |
December 2017 (Millions of euros)
| Past due but not impaired | Impaired assets | Carrying amount of the impaired assets | Specific allowances for financial assets, individually and collectively estimated | Collective allowances for incurred but not reported losses | Accumulated write-offs
| ≤ 30 days | > 30 days ≤ 60 days | > 60 days ≤ 90 days
Debt securities | - | - | - | 66 | 38 | (28) | (21) | -
Loans and advances | 3,432 | 759 | 503 | 19,401 | 10,726 | (8,675) | (4,109) | (29,938)
General governments | 75 | 3 | 13 | 171 | 129 | (42) | (69) | (27)
Credit institutions | - | - | - | 11 | 5 | (6) | (30) | (5)
Other financial corporations | 2 | - | - | 12 | 6 | (7) | (19) | (5)
Non-financial corporations | 843 | 153 | 170 | 10,791 | 5,192 | (5,599) | (1,939) | (18,988)
Households | 2,512 | 603 | 319 | 8,417 | 5,395 | (3,022) | (2,052) | (10,913)
TOTAL | 3,432 | 759 | 503 | 19,467 | 10,764 | (8,703) | (4,130) | (29,938)
Loans and advances by product, by collateral and by subordination |  |  |  |  |  |  |  |
On demand (call) and short notice (current account) | 77 | 12 | 11 | 389 | 151 | (238) |  |
Credit card debt | 397 | 66 | 118 | 629 | 190 | (439) |  |
Trade receivables | 115 | 8 | 9 | 515 | 179 | (336) |  |
Finance leases | 138 | 66 | 47 | 431 | 155 | (276) |  |
Other term loans | 2,705 | 606 | 317 | 17,417 | 10,047 | (7,370) |  |
Advances that are not loans | 1 | - | 1 | 20 | 3 | (16) |  |
of which: mortgage loans (Loans collateralized by immovable property) | 1,345 | 360 | 164 | 11,388 | 7,630 | (3,757) |  |
of which: other collateralized loans | 592 | 137 | 43 | 803 | 493 | (310) |  |
of which: credit for consumption | 1,260 | 248 | 207 | 1,551 | 457 | (1,093) |  |
of which: lending for house purchase | 1,034 | 307 | 107 | 5,730 | 4,444 | (1,286) |  |
of which: project finance loans | 13 | - | 25 | 1,165 | 895 | (271) |  |
(*) Corresponding to €2,763 million of specific allowances for financial assets, individually estimated and €5,940 million of specific allowances for financial assets collectively estimated.
December 2016 (Millions of euros)
| Past due but not impaired | Impaired assets | Carrying amount of the impaired assets | Specific allowances for financial assets, individually and collectively estimated | Collective allowances for incurred but not reported losses | Accumulated write-offs
| ≤ 30 days | > 30 days ≤ 60 days | > 60 days ≤ 90 days
Debt securities | - | - | - | 272 | 128 | (144) | (46) | (1)
Loans and advances | 3,384 | 696 | 735 | 22,925 | 12,133 | (10,793) | (5,224) | (29,346)
General governments | 66 | - | 2 | 295 | 256 | (39) | (13) | (13)
Credit institutions | 3 | - | 82 | 10 | 3 | (7) | (36) | (5)
Other financial corporations | 4 | 7 | 21 | 34 | 8 | (25) | (57) | (6)
Non-financial corporations | 968 | 209 | 204 | 13,786 | 6,383 | (7,402) | (2,789) | (18,020)
Households | 2,343 | 479 | 426 | 8,801 | 5,483 | (3,319) | (2,329) | (11,303)
TOTAL | 3,384 | 696 | 735 | 23,197 | 12,261 | (10,937) | (5,270) | (29,347)
Loans and advances by product, by collateral and by subordination |  |  |  |  |  |  |  |
On demand (call) and short notice (current account) | 79 | 15 | 29 | 562 | 249 | (313) |  |
Credit card debt | 377 | 88 | 124 | 643 | 114 | (529) |  |
Trade receivables | 51 | 15 | 13 | 424 | 87 | (337) |  |
Finance leases | 188 | 107 | 59 | 516 | 252 | (264) |  |
Reverse repurchase loans | - | - | 82 | 1 | - | (1) |  |
Other term loans | 2,685 | 469 | 407 | 20,765 | 11,429 | (9,336) |  |
Advances that are not loans | 5 | - | 21 | 14 | 2 | (12) |  |
of which: mortgage loans (Loans collateralized by immovable property) | 1,202 | 265 | 254 | 16,526 | 9,008 | (5,850) |  |
of which: other collateralized loans | 593 | 124 | 47 | 1,129 | 656 | (275) |  |
of which: credit for consumption | 1,186 | 227 | 269 | 1,622 | 455 | (1,168) |  |
of which: lending for house purchase | 883 | 194 | 105 | 6,094 | 4,546 | (1,548) |  |
of which: project finance loans | 138 | - | - | 253 | 105 | (147) |  |
December 2015 (Millions of euros)
| Past due but not impaired | Impaired assets | Carrying amount of the impaired assets | Specific allowances for financial assets, individually and collectively estimated | Collective allowances for incurred but not reported losses | Accumulated write-offs
| ≤ 30 days | > 30 days ≤ 60 days | > 60 days ≤ 90 days
Debt securities | - | - | - | 81 | 46 | (35) | (113) | -
Loans and advances | 3,445 | 825 | 404 | 25,358 | 12,527 | (12,831) | (5,911) | (26,143)
General governments | 154 | 278 | 2 | 194 | 157 | (37) | (30) | (19)
Credit institutions | - | - | - | 25 | 9 | (17) | (34) | (5)
Other financial corporations | 7 | 1 | 14 | 67 | 29 | (38) | (124) | (5)
Non-financial corporations | 838 | 148 | 48 | 16,254 | 7,029 | (9,225) | (3,096) | (15,372)
Households | 2,446 | 399 | 340 | 8,817 | 5,303 | (3,514) | (2,626) | (10,743)
TOTAL | 3,445 | 825 | 404 | 25,439 | 12,573 | (12,866) | (6,024) | (26,143)
Loans and advances by product, by collateral and by subordination |  |  |  |  |  |  |  |
On demand (call) and short notice (current account) | 134 | 13 | 7 | 634 | 204 | (430) |  |
Credit card debt | 389 | 74 | 126 | 689 | 161 | (528) |  |
Trade receivables | 98 | 26 | 22 | 628 | 179 | (449) |  |
Finance leases | 136 | 29 | 21 | 529 | 222 | (307) |  |
Reverse repurchase loans | 1 | - | - | 1 | 1 | (1) |  |
Other term loans | 2,685 | 682 | 227 | 22,764 | 11,747 | (11,017) |  |
Advances that are not loans | 2 | - | - | 113 | 13 | (99) |  |
of which: mortgage loans (Loans collateralized by immovable property) | 1,342 | 266 | 106 | 16,526 | 9,767 | (6,877) |  |
of which: other collateralized loans | 589 | 102 | 27 | 1,129 | 809 | (339) |  |
of which: credit for consumption | 957 | 164 | 220 | 1,543 | 404 | (1,139) |  |
of which: lending for house purchase | 616 | 174 | 110 | 5,918 | 4,303 | (1,615) |  |
of which: project finance loans | 3 | - | 1 | 276 | 66 | (211) |  |
Loans And Advances Impaired And Accumulated Impairmetnt |
December 2017 (Millions of euros)
| Non-performing | Accumulated impairment or Accumulated changes in fair value due to credit risk | Non-performing loans and advances as a % of the total
General governments | 171 | (111) | 0.5%
Credit institutions | 11 | (36) | -
Other financial corporations | 12 | (26) | 0.1%
Non-financial corporations | 10,791 | (7,538) | 6.3%
Agriculture, forestry and fishing | 166 | (123) | 4.3%
Mining and quarrying | 177 | (123) | 3.7%
Manufacturing | 1,239 | (955) | 3.6%
Electricity, gas, steam and air conditioning supply | 213 | (289) | 1.8%
Water supply | 29 | (11) | 4.5%
Construction | 2,993 | (1,708) | 20.1%
Wholesale and retail trade | 1,706 | (1,230) | 5.9%
Transport and storage | 441 | (353) | 4.2%
Accommodation and food service activities | 362 | (222) | 4.3%
Information and communication | 984 | (256) | 17.0%
Real estate activities | 1,171 | (1,100) | 7.9%
Professional, scientific and technical activities | 252 | (183) | 3.8%
Administrative and support service activities | 188 | (130) | 6.3%
Public administration and defense, compulsory social security | 4 | (6) | 1.9%
Education | 31 | (25) | 3.4%
Human health services and social work activities | 75 | (68) | 1.7%
Arts, entertainment and recreation | 69 | (38) | 4.6%
Other services | 690 | (716) | 4.3%
Households | 8,417 | (5,073) | 4.7%
LOANS AND ADVANCES | 19,401 | (12,784) | 4.5%
December 2016 (Millions of euros)
| Non-performing | Accumulated impairment or Accumulated changes in fair value due to credit risk | Non-performing loans and advances as a % of the total
General governments | 295 | (52) | 0.8%
Credit institutions | 10 | (42) | -
Other financial corporations | 34 | (82) | 0.2%
Non-financial corporations | 13,786 | (10,192) | 7.4%
Agriculture, forestry and fishing | 221 | (188) | 5.1%
Mining and quarrying | 126 | (83) | 3.3%
Manufacturing | 1,569 | (1,201) | 4.5%
Electricity, gas, steam and air conditioning supply | 569 | (402) | 3.2%
Water supply | 29 | (10) | 3.5%
Construction | 5,358 | (3,162) | 26.3%
Wholesale and retail trade | 1,857 | (1,418) | 6.2%
Transport and storage | 442 | (501) | 4.5%
Accommodation and food service activities | 499 | (273) | 5.9%
Information and communication | 112 | (110) | 2.2%
Real estate activities | 1,441 | (1,074) | 8.7%
Professional, scientific and technical activities | 442 | (380) | 6.0%
Administrative and support service activities | 182 | (107) | 7.3%
Public administration and defense, compulsory social security | 18 | (25) | 3.0%
Education | 58 | (31) | 5.4%
Human health services and social work activities | 89 | (88) | 1.8%
Arts, entertainment and recreation | 84 | (51) | 5.1%
Other services | 691 | (1,088) | 4.2%
Households | 8,801 | (5,648) | 4.6%
LOANS AND ADVANCES | 22,925 | (16,016) | 5.0%
December 2015 (Millions of euros)
| Non-performing | Accumulated impairment or Accumulated changes in fair value due to credit risk | Non-performing loans and advances as a % of the total
General governments | 194 | (67) | 0.5%
Credit institutions | 25 | (51) | 0.1%
Other financial corporations | 67 | (162) | 0.5%
Non-financial corporations | 16,254 | (12,321) | 8.8%
Agriculture, forestry and fishing | 231 | (180) | 5.4%
Mining and quarrying | 192 | (114) | 4.7%
Manufacturing | 1,947 | (1,729) | 5.8%
Electricity, gas, steam and air conditioning supply | 250 | (395) | 1.4%
Water supply | 44 | (23) | 5.2%
Construction | 6,585 | (4,469) | 30.1%
Wholesale and retail trade | 1,829 | (1,386) | 6.3%
Transport and storage | 616 | (607) | 6.4%
Accommodation and food service activities | 567 | (347) | 7.0%
Information and communication | 110 | (100) | 2.3%
Real estate activities | 1,547 | (1,194) | 9.1%
Professional, scientific and technical activities | 944 | (454) | 12.8%
Administrative and support service activities | 224 | (148) | 6.9%
Public administration and defense, compulsory social security | 18 | (25) | 2.8%
Education | 26 | (19) | 2.6%
Human health services and social work activities | 82 | (91) | 1.8%
Arts, entertainment and recreation | 100 | (63) | 6.6%
Other services | 942 | (977) | 6.1%
Households | 8,817 | (6,140) | 4.5%
LOANS AND ADVANCES | 25,358 | (18,742) | 5.5%
Changes In Impaired Financial Assets And Contingent Risks |
Changes in Impaired Financial Assets and Contingent Risks (Millions of euros)
| 2017(**) | 2016 | 2015
Balance at the beginning | 23,877 | 26,103 | 23,234
Additions | 10,856 | 11,133 | 14,872
Decreases (*) | (7,771) | (7,633) | (6,720)
Net additions | 3,085 | 3,500 | 8,152
Amounts written-off | (5,758) | (5,592) | (4,989)
Exchange differences and other | (615) | (134) | (295)
Balance at the end | 20,590 | 23,877 | 26,103
(*) Reflects the total amount of impaired loans derecognized from the consolidated balance sheet throughout the period as a result of mortgage foreclosures and real estate assets received in lieu of payment as well as monetary recoveries (see Notes 20 and 21 to the consolidated financ ial statement for additional information). (**) Includes impaired loans of Chile
Changes In Impaired Financial Assets Written Off |
Changes in Impaired Financial Assets Written-Off from the Balance Sheet (Millions of Euros)
| Notes | 2017 | 2016 | 2015
Balance at the beginning |  | 29,347 | 26,143 | 23,583
Acquisition of subsidiaries in the year |  | - | - | 1,362
Increase: |  | 5,986 | 5,699 | 6,172
Decrease: |  | (4,442) | (2,384) | (4,830)
Re-financing or restructuring |  | (9) | (32) | (28)
Cash recovery | 47 | (558) | (541) | (490)
Foreclosed assets |  | (149) | (210) | (159)
Sales of written-off |  | (2,284) | (45) | (54)
Debt forgiveness |  | (1,121) | (864) | (3,119)
Time-barred debt and other causes |  | (321) | (692) | (980)
Net exchange differences |  | (752) | (111) | (144)
Balance at the end |  | 30,139 | 29,347 | 26,143
Impairment Losses Valuation Adjustments |
December 2017 (Millions of euros)
| Opening balance | Increases due to amounts set aside for estimated loan losses during the period | Decreases due to amounts reversed for estimated loan losses during the period | Decreases due to amounts taken against allowances | Transfers between allowances | Other adjustments | Closing balance | Recoveries recorded directly to the statement of profit or loss
Equity instruments |  |  |  |  |  |  |  |
Specific allowances for financial assets, individually and collectively estimated | (10,937) | (7,484) | 2,878 | 4,503 | 1,810 | 526 | (8,703) | 558
Debt securities | (144) | (26) | 6 | - | 123 | 13 | (28) | -
Credit institutions | (15) | (5) | 4 | - | 16 | - | - | -
Other financial corporations | (26) | (4) | 2 | - | - | 13 | (16) | -
Non-financial corporations | (103) | (17) | - | - | 107 | - | (12) | -
Loans and advances | (10,793) | (7,458) | 2,872 | 4,503 | 1,687 | 513 | (8,675) | 558
General governments | (39) | (70) | 37 | 14 | 1 | 15 | (42) | 1
Credit institutions | (7) | (2) | 2 | - | - | 1 | (6) | -
Other financial corporations | (25) | (287) | 3 | 38 | 227 | 38 | (7) | -
Non-financial corporations | (7,402) | (3,627) | 1,993 | 3,029 | (228) | 636 | (5,599) | 345
Households | (3,319) | (3,472) | 837 | 1,422 | 1,687 | (177) | (3,022) | 212
Collective allowances for incurred but not reported losses on financial assets | (5,270) | (1,783) | 2,159 | 1,537 | (1,328) | 557 | (4,130) | -
Debt securities | (46) | (8) | 30 | 1 | - | 3 | (21) | -
Loans and advances | (5,224) | (1,776) | 2,128 | 1,536 | (1,328) | 554 | (4,109) | -
Total | (16,206) | (9,267) | 5,037 | 6,038 | 482 | 1,083 | (12,833) | 558
December 2016 (Millions of euros)
| Opening balance | Increases due to amounts set aside for estimated loan losses during the period | Decreases due to amounts reversed for estimated loan losses during the period | Decreases due to amounts taken against allowances | Transfers between allowances | Other adjustments | Closing balance | Recoveries recorded directly to the statement of profit or loss
Equity instruments |  |  |  |  |  |  |  |
Specific allowances for financial assets, individually and collectively estimated | (12,866) | (6,912) | 2,708 | 5,673 | (123) | 583 | (10,937) | 540
Debt securities | (35) | (167) | 6 | 64 | (10) | (2) | (144) | -
Credit institutions | (20) | - | - | 5 | - | - | (15) | -
Other financial corporations | (15) | (29) | 3 | 26 | (10) | (1) | (26) | -
Non-financial corporations | - | (138) | 3 | 33 | - | (1) | (103) | -
Loans and advances | (12,831) | (6,745) | 2,702 | 5,610 | (113) | 585 | (10,793) | 540
General governments | (37) | (2) | 20 | 6 | (27) | 2 | (39) | 1
Credit institutions | (17) | (2) | 3 | - | 10 | (3) | (7) | -
Other financial corporations | (38) | (34) | 9 | 22 | 10 | 6 | (25) | -
Non-financial corporations | (9,225) | (3,705) | 2,158 | 3,257 | (278) | 391 | (7,402) | 335
Households | (3,514) | (3,002) | 511 | 2,325 | 172 | 189 | (3,319) | 205
Collective allowances for incurred but not reported losses on financial assets | (6,024) | (1,558) | 1,463 | 88 | 775 | (15) | (5,270) | 1
Debt securities | (113) | (11) | 15 | 1 | 64 | - | (46) | -
Loans and advances | (5,911) | (1,546) | 1,449 | 87 | 711 | (15) | (5,224) | -
Total | (18,890) | (8,470) | 4,172 | 5,762 | 652 | 568 | (16,206) | 541
December 2015 (Millions of euros)
| Opening balance | Increases due to amounts set aside for estimated loan losses during the period | Decreases due to amounts reversed for estimated loan losses during the period | Decreases due to amounts taken against allowances | Transfers between allowances | Other adjustments | Closing balance | Recoveries recorded directly to the statement of profit or loss
Equity instruments |  |  |  |  |  |  |  |
Specific allowances for financial assets, individually and collectively estimated | (10,519) | (6,172) | 1,435 | 5,162 | 388 | (3,160) | (12,866) | 490
Debt securities | (33) | (6) | 8 | - | - | (3) | (35) | -
Credit institutions | (17) | (2) | 1 | - | (1) | - | (20) | -
Other financial corporations | (16) | (4) | 7 | - | 1 | (3) | (15) | -
Loans and advances | (10,487) | (6,166) | 1,427 | 5,162 | 388 | (3,156) | (12,831) | 490
General governments | (24) | (16) | 17 | 3 | (12) | (6) | (37) | -
Credit institutions | (18) | (11) | 5 | - | 9 | (2) | (17) | 1
Other financial corporations | (21) | (276) | 2 | 23 | 231 | 3 | (38) | -
Non-financial corporations | (7,610) | (3,229) | 1,169 | 2,580 | (298) | (1,837) | (9,225) | 301
Households | (2,814) | (2,635) | 234 | 2,555 | 459 | (1,313) | (3,514) | 187
Collective allowances for incurred but not reported losses on financial assets | (3,829) | (578) | 576 | 110 | (486) | (1,817) | (6,024) | -
Debt securities | (42) | (9) | 6 | - | (67) | (1) | (113) | -
Loans and advances | (3,787) | (569) | 570 | 110 | (420) | (1,816) | (5,911) | -
Total | (14,348) | (6,750) | 2,011 | 5,272 | (98) | (4,977) | (18,890) | 490
Headings Of Balance Sheet Under Market Risk |
Headings of the balance sheet under market risk (Millions of euros)
| December 2017 | December 2016 | December 2015
| Main market risk metrics - VaR | Main market risk metrics - Others (*) | Main market risk metrics - VaR | Main market risk metrics - Others (*) | Main market risk metrics - VaR | Main market risk metrics - Others (*)
Assets subject to market risk |  |  |  |  |  |
Financial assets held for trading | 59,008 | 441 | 64,623 | 1,480 | 64,370 | 4,712
Available for sale financial assets | 5,661 | 24,083 | 7,119 | 28,771 | 8,234 | 50,088
Of which: Equity instruments | - | 2,404 | - | 3,559 | - | 4,067
Derivatives - Hedging accounting | 829 | 1,397 | 1,041 | 1,415 | 528 | 1,888
Liabilities subject to market risk |  |  |  |  |  |
Financial liabilities held for trading | 42,468 | 2,526 | 47,491 | 2,223 | 42,550 | 6,277
Derivatives - Hedging accounting | 1,157 | 638 | 1,305 | 689 | 1,128 | 806
(*) Includes mainly assets and liabilities managed by ALCO.
VAR By Risk Factor |
VaR by Risk Factor (Millions of euros)
| Interest/Spread Risk | Currency Risk | Stock-market Risk | Vega/Correlation Risk | Diversification Effect(*) | Total
December 2017 |  |  |  |  |  |
VaR average in the period | 25 | 10 | 3 | 13 | (23) | 27
VaR max in the period | 27 | 11 | 2 | 12 | (19) | 34
VaR min in the period | 23 | 7 | 4 | 14 | (26) | 22
End of period VaR | 23 | 7 | 4 | 14 | (26) | 22
December 2016 |  |  |  |  |  |
VaR average in the period | 28 | 10 | 4 | 11 | (23) | 29
VaR max in the period | 30 | 16 | 4 | 11 | (23) | 38
VaR min in the period | 21 | 10 | 1 | 11 | (20) | 23
End of period VaR | 29 | 7 | 2 | 12 | (24) | 26
December 2015 |  |  |  |  |  |
VaR average in the period |  |  |  |  |  | 24
VaR max in the period | 32 | 5 | 3 | 9 | (18) | 30
VaR min in the period | 20 | 6 | 3 | 9 | (17) | 21
End of period VaR | 21 | 9 | 3 | 11 | (20) | 24
(*) The diversification effect is the difference between the sum of the average individual risk factors and the total VaR figure that includes the implied correlation between all the variables and scenarios used in the measurement.
Expected Short fall |
Millions of Euros
| Europe | Mexico | Peru | Venezuela | Argentina | Colombia | Chile | Turkey
Expected Shortfall | (75) | (29) | (8) | - | (8) | (8) | (9) | (1)
Sensitivity Analysis To Interest Rate |
Sensitivity to Interest-Rate Analysis - December 2017
| Impact on Net Interest Income (*) | Impact on Economic Value (**)
| 100 Basis-Point Increase | 100 Basis-Point Decrease | 100 Basis-Point Increase | 100 Basis-Point Decrease
Europe (***) | + (10% - 15%) | - (5% - 10%) | + (0% - 5%) | - (0% - 5%)
Mexico | + (0% - 5%) | - (0% - 5%) | - (0% - 5%) | + (0% - 5%)
USA | + (5% - 10%) | - (5% - 10%) | - (0% - 5%) | - (0% - 5%)
Turkey | - (0% - 5%) | + (0% - 5%) | - (0% - 5%) | + (0% - 5%)
South America | + (0% - 5%) | - (0% - 5%) | - (0% - 5%) | + (0% - 5%)
BBVA Group | + (0% - 5%) | - (0% - 5%) | + (0% - 5%) | - (0% - 5%)
(*) Percentage of "1 year" net interest income forecast for each unit. (**) Percentage of Core Capital for each unit. (***) In Europe downward movement allowed until more negative level than current rates.
Effect Of Compensation |
December 2017 (Millions of euros)
|  |  |  |  | Gross Amounts Not Offset in the Condensed Consolidated Balance Sheets (D) |
| Notes | Gross Amounts Recognized (A) | Gross Amounts Offset in the Condensed Consolidated Balance Sheets (B) | Net Amount Presented in the Condensed Consolidated Balance Sheets (C=A-B) | Financial Instruments | Cash Collateral Received/ Pledged | Net Amount (E=C-D)
Trading and hedging derivatives | 10, 15 | 49,333 | 11,584 | 37,749 | 27,106 | 7,442 | 3,202
Reverse repurchase, securities borrowing and similar agreements |  | 26,426 | 56 | 26,369 | 26,612 | 141 | (384)
Total Assets |  | 75,759 | 11,641 | 64,118 | 53,717 | 7,583 | 2,818
Trading and hedging derivatives | 10, 15 | 50,693 | 11,644 | 39,049 | 27,106 | 8,328 | 3,615
Repurchase, securities lending and similar agreements |  | 40,134 | 56 | 40,078 | 40,158 | 21 | (101)
Total liabilities |  | 90,827 | 11,701 | 79,126 | 67,264 | 8,349 | 3,514
December 2016 (Millions of euros)
|  |  |  |  | Gross Amounts Not Offset in the Condensed Consolidated Balance Sheets (D) |
| Notes | Gross Amounts Recognized (A) | Gross Amounts Offset in the Condensed Consolidated Balance Sheets (B) | Net Amount Presented in the Condensed Consolidated Balance Sheets (C=A-B) | Financial Instruments | Cash Collateral Received/ Pledged | Net Amount (E=C-D)
Trading and hedging derivatives | 10, 15 | 59,374 | 13,587 | 45,788 | 32,146 | 6,571 | 7,070
Reverse repurchase, securities borrowing and similar agreements |  | 25,833 | 2,912 | 22,921 | 23,080 | 174 | (333)
Total Assets |  | 85,208 | 16,499 | 68,709 | 55,226 | 6,745 | 6,738
Trading and hedging derivatives | 10, 15 | 59,545 | 14,080 | 45,465 | 32,146 | 7,272 | 6,047
Repurchase, securities lending and similar agreements |  | 49,474 | 2,912 | 46,562 | 47,915 | 176 | (1,529)
Total liabilities |  | 109,019 | 16,991 | 92,027 | 80,061 | 7,448 | 4,518
December 2015 (Millions of euros)
|  |  |  |  | Gross Amounts Not Offset in the Condensed Consolidated Balance Sheets (D) |
| Notes | Gross Amounts Recognized (A) | Gross Amounts Offset in the Condensed Consolidated Balance Sheets (B) | Net Amount Presented in the Condensed Consolidated Balance Sheets (C=A-B) | Financial Instruments | Cash Collateral Received/ Pledged | Net Amount (E=C-D)
Trading and hedging derivatives | 10, 15 | 52,244 | 7,805 | 44,439 | 30,350 | 5,493 | 8,597
Reverse repurchase, securities borrowing and similar agreements |  | 21,531 | 4,596 | 16,935 | 17,313 | 24 | (402)
Total Assets |  | 73,775 | 12,401 | 61,374 | 47,663 | 5,517 | 8,195
Trading and hedging derivatives | 10, 15 | 53,298 | 8,423 | 44,876 | 30,350 | 9,830 | 4,696
Repurchase, securities lending and similar agreements |  | 72,998 | 4,596 | 68,402 | 68,783 | 114 | (495)
Total liabilities |  | 126,296 | 13,019 | 113,278 | 99,133 | 9,944 | 4,201
LtSs CDB y LMU |
LCR main LMU
| December 2017
Group | 128%
Eurozone(*) | 151%
Bancomer | 148%
Compass(**) | 144%
Garanti | 134%
(*) Perimeter: Spain, Por tugal and Rest of Eurasia (**) Compass LCR calculated according to local regulation (Fed Modified LCR)
LtSCD by LMU
| December 2017 | December 2016 | December 2015
Group (average) | 110% | 113% | 116%
Eurozone | 108% | 113% | 116%
Bancomer | 109% | 113% | 110%
Compass | 109% | 108% | 112%
Garanti | 122% | 124% | 128%
Other LMUs | 108% | 107% | 111%
Liquidity Available by Instrument and Subsidiaries |
December 2017 (Millions of euros)
| BBVA Eurozone (1) | BBVA Bancomer | BBVA Compass | Garanti Bank | Other
Cash and balances with central banks | 15,634 | 8,649 | 2,150 | 6,692 | 6,083
Assets for credit operations with central banks | 47,429 | 5,731 | 24,039 | 5,661 | 6,333
Central governments issues | 26,784 | 3,899 | 2,598 | 5,661 | 6,274
Of Which: Spanish government securities | 20,836 | - | - | - | -
Other issues | 20,645 | 1,831 | 7,023 | - | 58
Loans | - | - | 14,417 | - | -
Other non-eligible liquid assets | 7,986 | 575 | 621 | 1,607 | 345
ACCUMULATED AVAILABLE BALANCE | 71,050 | 14,955 | 26,810 | 13,959 | 12,761
AVERAGE BALANCE | 67,823 | 13,896 | 27,625 | 13,862 | 13,211
(1) It includes Spain, Portugal and Rest of Eurasia.
December 2016 (Millions of euros)
| BBVA Eurozone (1) | BBVA Bancomer | BBVA Compass | Garanti Bank | Other
Cash and balances with central banks | 16,038 | 8,221 | 1,495 | 4,758 | 6,504
Assets for credit operations with central banks | 50,706 | 4,175 | 26,865 | 4,935 | 4,060
Central governments issues | 30,702 | 1,964 | 1,084 | 4,935 | 3,985
Of Which: Spanish government securities | 23,353 | - | - | - | -
Other issues | 20,005 | 2,212 | 8,991 | - | 75
Loans | - | - | 16,790 | - | -
Other non-eligible liquid assets | 6,884 | 938 | 662 | 1,478 | 883
ACCUMULATED AVAILABLE BALANCE | 73,629 | 13,335 | 29,022 | 11,171 | 11,447
AVERAGE BALANCE | 68,322 | 13,104 | 27,610 | 12,871 | 11,523
(1) It includes Banco Bilbao Vizcaya Argentaria, S.A. and Banco Bilbao Vizcaya Argentaria (Portugal), S.A. Figures originally reported in the year 2016 in accordance to the applicable regulation, without restatements.
Matrix Of Residual Maturities |
December 2017. Contractual Maturities (Millions of euros)
| Demand | Up to 1 Month | 1 to 3 Months | 3 to 6 Months | 6 to 9 Months | 9 to 12 Months | 1 to 2 Years | 2 to 3 Years | 3 to 5 Years | Over 5 Years | Total
ASSETS |  |  |  |  |  |  |  |  |  |  |
Cash, cash balances at central banks and other demand deposits | 8,179 | 31,029 | - | - | - | - | - | - | - | - | 39,208
Deposits in credit entities | 252 | 4,391 | 181 | 169 | 120 | 122 | 116 | 112 | 157 | 1,868 | 7,488
Deposits in other financial institutions | 1 | 939 | 758 | 796 | 628 | 447 | 1,029 | 681 | 806 | 1,975 | 8,060
Reverse repo, securities borrowing and margin lending | 18,979 | 2,689 | 1,921 | 541 | 426 | 815 | 30 | 727 | 226 | - | 26,354
Loans and Advances | 267 | 21,203 | 26,323 | 23,606 | 15,380 | 17,516 | 43,973 | 35,383 | 50,809 | 123,568 | 358,028
Securities' portfolio settlement | 1 | 1,579 | 4,159 | 4,423 | 2,380 | 13,391 | 5,789 | 11,289 | 12,070 | 44,666 | 99,747
December 2017. Contractual Maturities (Millions of euros)
| Demand | Up to 1 Month | 1 to 3 Months | 3 to 6 Months | 6 to 9 Months | 9 to 12 Months | 1 to 2 Years | 2 to 3 Years | 3 to 5 Years | Over 5 Years | Total
LIABILITIES |  |  |  |  |  |  |  |  |  |  |
Wholesale funding | - | 3,648 | 4,209 | 4,238 | 1,227 | 2,456 | 5,772 | 6,432 | 18,391 | 30,162 | 76,535
Deposits in financial institutions | 6,831 | 5,863 | 1,082 | 2,335 | 392 | 1,714 | 930 | 765 | 171 | 1,429 | 21,512
Deposits in other financial institutions and international agencies | 10,700 | 4,827 | 3,290 | 1,959 | 554 | 1,328 | 963 | 286 | 355 | 1,045 | 25,307
Customer deposits | 233,068 | 45,171 | 18,616 | 11,428 | 8,711 | 10,368 | 7,607 | 2,612 | 1,833 | 2,034 | 341,448
Security pledge funding | - | 35,502 | 2,284 | 1,405 | 396 | 973 | 64 | 23,009 | 338 | 1,697 | 65,668
Derivatives, net | - | (18) | (110) | (116) | (135) | (117) | (336) | (91) | (106) | (419) | (1,448)
December 2016. Contractual Maturities (Millions of euros)
| Demand | Up to 1 Month | 1 to 3 Months | 3 to 6 Months | 6 to 9 Months | 9 to 12 Months | 1 to 2 Years | 2 to 3 Years | 3 to 5 Years | Over 5 Years | Total
ASSETS |  |  |  |  |  |  |  |  |  |  |
Cash, cash balances at central banks and other demand deposits | 23,191 | 13,825 | - | - | - | - | - | - | - | - | 37,016
Deposits in credit entities | 991 | 4,068 | 254 | 155 | 48 | 72 | 117 | 87 | 122 | 4,087 | 10,002
Deposits in other financial institutions | 1 | 1,192 | 967 | 675 | 714 | 532 | 1,330 | 918 | 942 | 336 | 7,608
Reverse repo, securities borrowing and margin lending | - | 20,232 | 544 | 523 | - | 428 | 500 | 286 | 124 | 189 | 22,826
Loans and Advances | 591 | 20,272 | 25,990 | 22,318 | 16,212 | 15,613 | 44,956 | 35,093 | 55,561 | 133,589 | 370,195
Securities' portfolio settlement | - | 708 | 3,566 | 3,688 | 2,301 | 4,312 | 19,320 | 10,010 | 16,662 | 51,472 | 112,039
December 2016. Contractual Maturities (Millions of euros)
| Demand | Up to 1 Month | 1 to 3 Months | 3 to 6 Months | 6 to 9 Months | 9 to 12 Months | 1 to 2 Years | 2 to 3 Years | 3 to 5 Years | Over 5 Years | Total
LIABILITIES |  |  |  |  |  |  |  |  |  |  |
Wholesale funding | 419 | 7,380 | 2,943 | 5,547 | 3,463 | 5,967 | 7,825 | 5,963 | 14,016 | 31,875 | 85,397
Deposits in financial institutions | 6,762 | 5,365 | 1,181 | 2,104 | 800 | 2,176 | 746 | 1,156 | 859 | 3,714 | 24,862
Deposits in other financial institutions and international agencies | 15,375 | 6,542 | 8,624 | 3,382 | 2,566 | 1,897 | 1,340 | 686 | 875 | 2,825 | 44,114
Customer deposits | 206,140 | 49,053 | 25,522 | 15,736 | 11,863 | 11,343 | 8,619 | 5,060 | 781 | 936 | 335,052
Security pledge funding | - | 38,153 | 3,561 | 1,403 | 1,004 | 912 | 1,281 | 640 | 23,959 | 1,712 | 72,626
Derivatives, net | - | (2,123) | (95) | (190) | (111) | (326) | (132) | (82) | (105) | (47) | (3,210)
Table of Encumbered Assets |
December 2017 (Millions of euros)
| Encumbered assets | Non-Encumbered assets
| Book value of Encumbered assets | Market value of Encumbered assets | Book value of non-encumbered assets | Market value of non-encumbered assets
Equity instruments | 2,297 | 2,297 | 9,616 | 9,616
Debt Securities | 28,700 | 29,798 | 84,391 | 84,391
Loans and Advances and other assets | 79,604 | - | 485,451 | -
December 2016 (Millions of euros)
| Encumbered assets | Non-Encumbered assets
| Book value of Encumbered assets | Market value of Encumbered assets | Book value of non-encumbered assets | Market value of non-encumbered assets
Equity instruments | 2,214 | 2,214 | 9,022 | 9,022
Debt Securities | 40,114 | 39,972 | 90,679 | 90,679
Loans and Advances and other assets | 94,718 |  | 495,109 |
Collateral Received |
December 2017. Collateral received (Millions of euros)
| Fair value of encumbered collateral received or own debt securities issued | Fair value of collateral received or own debt securities issued available for encumbrance | Nominal amount of collateral received or own debt securities issued not available for encumbrance
Collateral received | 23,881 | 9,630 | 201
Equity instruments | 103 | 5 | -
Debt securities | 23,715 | 9,619 | 121
Loans and Advances and other assets | 63 | 6 | 80
Own debt securities issued other than own covered bonds or ABSs | 3 | 161 | -
December 2016. Collateral received (Millions of euros)
| Fair value of encumbered collateral received or own debt securities issued | Fair value of collateral received or own debt securities issued available for encumbrance | Nominal amount of collateral received or own debt securities issued not available for encumbrance
Collateral received | 19,921 | 10,039 | 173
Equity instruments | 58 | 59 | -
Debt securities | 19,863 | 8,230 | 28
Loans and Advances and other assets | - | 1,750 | 144
Own debt securities issued other than own covered bonds or ABSs | 5 | - | -
Sources Of Encumbrance |
December 2017. Sources of encumbrance (Millions of euros)
| Matching liabilities, contingent liabilities or securities lent | Assets, collateral received and own debt securities issued other than covered bonds and ABSs encumbered
Book value of financial liabilities | 118,704 | 133,312
Derivatives | 11,843 | 11,103
Loans and Advances | 87,484 | 98,478
Outstanding subordinated debt | 19,377 | 23,732
Other sources | 305 | 1,028
December 2016. Sources of encumbrance (Millions of euros)
| Matching liabilities, contingent liabilities or securities lent | Assets, collateral received and own debt securities issued other than covered bonds and ABSs encumbered
Book value of financial liabilities | 134,387 | 153,632
Derivatives | 9,304 | 9,794
Loans and Advances | 96,137 | 108,268
Outstanding subordinated debt | 28,946 | 35,569
Other sources | - | 2,594

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