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Note 13 - Loans and receivables | 12 Months Ended
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Dec. 31, 2017
Loans and Receivables Abstract |
Disclosure of loans and receivables | Loans and receivables Loans and advances - Balance details The breakdown of the balance under this heading in the accompanying consolidated balance sheets, according to the nature of the financial instrument, is as follows
Loans and Receivables (Millions of euros)
|  | 2017 | 2016 | 2015
Debt securities |  | 10,339 | 11,209 | 10,516
Loans and advances to central banks |  | 7,300 | 8,894 | 17,830
Loans and advances to credit institutions |  | 26,261 | 31,373 | 29,317
Loans and advances to customers |  | 387,621 | 414,500 | 414,165
Total |  | 431,521 | 465,977 | 471,828
Loans and advances to central banks and credit institutions The breakdown of the balance under this heading in the accompanying consolidated balance sheets, according to their nature, is as follows
Loans and Advances to Central Banks and Credit Institutions (Millions of euros)
| Notes | 2017 | 2016 | 2015
Loans and advances to central banks | 7.3.1 | 7,300 | 8,894 | 17,830
Loans and advances to credit institutions | 7.3.1 | 26,261 | 31,373 | 29,317
Reverse repurchase agreements | 35 | 13,861 | 15,561 | 11,749
Other loans |  | 12,400 | 15,812 | 17,568
Total |  | 33,561 | 40,267 | 47,148
Of which: |  |  |  |
Impairment losses | 7.3.4 / 7.3.1 | (36) | (43) | (51)
Loans and advances to customers The br eakdown of the balance under this heading in the accompanying consolidated balance sheets, according to their nature, is as follows
Loans and Advances to Customers (Millions of euros)
| Notes | 2017 | 2016 | 2015
On demand and short notice |  | 10,560 | 11,251 | 11,228
Credit card debt |  | 15,835 | 16,596 | 16,952
Trade receivables |  | 22,705 | 23,753 | 23,871
Finance leases |  | 8,642 | 9,442 | 9,357
Reverse repurchase loans | 35 | 11,554 | 7,291 | 5,052
Other term loans |  | 313,336 | 339,862 | 341,554
Advances that are not loans |  | 4,989 | 6,306 | 6,151
Total | 7.3.1 | 387,621 | 414,500 | 414,165
Of which: |  |  |  |
Impaired assets | 7.3.4 | 19,390 | 22,915 | 25,333
Impairment losses | 7.3.4 / 7.3.1 | (12,748) | (15,974) | (18,691)
As of December 31, 2017, 2016 and 2015, 38%, 34% and 32%, respectively, of "Loans and advances to c ustomers" with maturity greater than one year have fixed-interest rates and 62%, 66% and 68%, respectively, have variable interest rates. The heading “Loans and receivables – Loans and advances to customers” in the accompanying consolidated balance sheets also include s certain secured loans that pursuant to the Mortgage Market Act, are linked to long-term mortgage-covered bonds. This heading also includes some loans that have been securitized. The balances recognized in the accompanying consolidated balance sheets corresponding to these securitized loans are as follows
Securitized Loans (Millions of euros)
|  | 2017 | 2016 | 2015
Securitized mortgage assets |  | 28,950 | 29,512 | 28,955
Other securitized assets |  | 4,143 | 3,731 | 3,666
Total |  | 33,093 | 33,243 | 32,621
Debt securities The breakdown of the balance under this heading in the accompanying consolidated balance sheets, according to the issuer of the debt security, is as follows
Debt securities (Millions of euros)
| Notes | 2017 | 2016 | 2015
Government |  | 4,412 | 4,709 | 3,275
Credit institutions |  | 31 | 37 | 125
Other sectors |  | 5,911 | 6,481 | 7,126
Total gross | 7.3.1 | 10,354 | 11,226 | 10,526
Impairment losses |  | (15) | (17) | (10)
Total net |  | 10,339 | 11,209 | 10,516
In 2016, some debt securities were reclassified from "Available-for-sale financial assets" to “Loans and receivables-Debt securities” since the intention of the Group regarding how to manage such securities is to hold them until maturity. The following table shows the fair value and carrying amounts of these reclassified financial assets
Debt Securities reclassified to "Loans and receivables" from "Available-for-sale financial assets" (Millions of euros)
| As of Reclassification date | As of December 31, 2017 | As of December 31, 2016
| Carrying Amount | Fair Value | Carrying Amount | Fair Value | Carrying Amount | Fair Value
BBVA, S.A. | 862 | 862 | 715 | 735 | 844 | 863
Total | 862 | 862 | 715 | 735 | 844 | 863
As of December 31, 2017 and 2016, the amount recognized in the income statement from the valuation at amortized cost of the reclassified financial assets, as well as the impact recognized on the income statement and under the heading “Total Equity - Accumulated other comprehensive income”, if the reclassification was not performed is included in the following table
Effect on Income Statement and Other Comprehensive Income (Millions of euros)
| As of December 31, 2017 | As of December 31, 2016
| Recognized in | Effect of not Reclassifying in | Recognized in | Effect of not Reclassifying in
| Income Statement | Income Statement | Equity"Valuation Adjustments" | Income Statement | Income Statement | Equity"Valuation Adjustments"
BBVA, S.A. | 26 | 26 | 4 | 22 | 22 | (5)
Total | 26 | 26 | 4 | 22 | 22 | (5)

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