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Note 32 - Interest Income and Expense | 6 Months Ended
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Jun. 30, 2018
Interest Income And Expense |
Disclosure of Interest Income Expense | Interest income and expense Interest income The breakdown of the interest and similar income recognized in the accompanying consolidated income statement is as follows:
Interest Income. Breakdown by Origin (Millions of euros)
| Notes | June 2018 | June 2017
Central Banks |  | 266 | 148
Loans and advances to credit institutions |  | 209 | 151
Loans and advances to customers |  | 11,381 | 11,135
Debt securities |  | 1,839 | 1,872
Held for trading |  | 775 | 627
Other portfolios |  | 1,064 | 1,245
Adjustments of income as a result of hedging transactions |  | 129 | (138)
Cash flow hedges (effective portion) |  | (3) | -
Fair value hedges |  | 132 | (138)
Insurance activity |  | 528 | 660
Other income |  | 156 | 477
Total | 48.1 | 14,507 | 14,305
Interest expense The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows:
Interest Expenses. Breakdown by Origin (Millions of euros)
|  | June 2018 | June 2017
Central banks |  | 44 | 62
Deposits from credit institutions |  | 1,054 | 744
Customers deposits |  | 3,049 | 2,970
Debt securities issued |  | 944 | 1,102
Adjustments of expenses as a result of hedging transactions |  | 315 | (269)
Cash flow hedges (effective portion) |  | 26 | 19
Fair value hedges |  | 289 | (288)
Cost attributable to pension funds |  | 64 | 68
Insurance activity |  | 254 | 474
Other expenses |  | 137 | 350
Total |  | 5,864 | 5,502
Average return on investments and average borrowing cost The chang e in the balance under the headings “Interest and similar income” and “Interest and similar expenses” in the accompanying consolidated income statements is the result of exchange rate effect, changing prices (price effect) and changing volume of activity (volume effect), as can be seen below:
Interest Income and Expenses: Change in the Balance (Millions of euros)
| June 2018 / June 2017 | June 2017 / June 2016
| Volume Effect (1) | Price Effect (2) | Total Effect | Volume Effect (1) | Price Effect (2) | Total Effect
Cash and balances with central banks and other demand deposits | 1 | 48 | 49 | 2 | (1) | 1
Securities portfolio and derivatives | 150 | (339) | (189) | (306) | 185 | (120)
Loans and advances to Central Banks | (68) | 41 | (27) | (28) | 77 | 50
Loans and advances to credit institutions | (73) | 256 | 183 | (11) | (7) | (19)
Loans and advances to customers | (757) | 1,054 | 297 | (15) | 572 | 557
Euros | (127) | 89 | (38) | (64) | (140) | (204)
Foreign currencies | (581) | 916 | 335 | 263 | 498 | 761
Other assets | (23) | (88) | (111) | (6) | 140 | 134
Interest income |  |  | 202 |  |  | 603
Deposits from central banks and credit institutions | (262) | 464 | 202 | (87) | 73 | (14)
Customer deposits | (188) | 693 | 505 | (68) | 65 | (3)
Euros | (13) | (65) | (78) | (36) | (139) | (175)
Foreign currencies | (199) | 782 | 583 | 109 | 63 | 172
Debt securities issued | (80) | 77 | (4) | (39) | 28 | (11)
Other liabilities | 217 | (559) | (341) | (23) | 215 | 192
Interest expenses |  |  | 362 |  |  | 164
Net Interest Income |  |  | (160) |  |  | 438
(1) The volume effect is calculated as the result of the interest rate of the initial period multiplied by the difference between the average balances of both periods. (2) The price effect is calculated as the result of the average balance of the last period multiplied by the difference between the interest rates of both periods.

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